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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 | $38,605 | $85,766-55.0% | $136,298-71.7% | $70,126-44.9% |
| Participation rate | 87.1% | 74.2%+12.9pp | 81.9%+5.2pp | 69.5%+17.6pp |
| Annual return | 22.92% | 31.46%-8.5pp | 5156.27%-5133.4pp | 73.15%-50.2pp |
| Employer contribution / active EE | $3,133 | $2,966+5.6% | $4,696-33.3% | $2,343+33.7% |
| Participant deferral / active EE | $6,318 | $5,051+25.1% | $6,247+1.1% | $3,332+89.6% |
| Admin fee / account holder | $2,453 | $5,421-54.8% | $9,244-73.5% | $4,645-47.2% |