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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $44,400 | $85,171-47.9% | $172,753-74.3% | $72,976-39.2% |
| Participation rate | 92.5% | 70.1%+22.4pp | 82.6%+9.9pp | 69.5%+23.0pp |
| Annual return | 21.89% | 27.32%-5.4pp | 803.00%-781.1pp | 81.02%-59.1pp |
| Employer contribution / active EE | $4,790 | $3,324+44.1% | $5,144-6.9% | $2,440+96.3% |
| Participant deferral / active EE | $6,049 | $3,260+85.6% | $5,198+16.4% | $3,608+67.7% |
| Admin fee / account holder | $3,128 | $5,880-46.8% | $13,956-77.6% | $5,124-38.9% |