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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 | $42,223 | $85,766-50.8% | $136,298-69.0% | $70,126-39.8% |
| Participation rate | 77.2% | 74.2%+3.1pp | 81.9%-4.7pp | 69.5%+7.7pp |
| Annual return | 15.26% | 31.46%-16.2pp | 5156.27%-5141.0pp | 73.15%-57.9pp |
| Employer contribution / active EE | $2,509 | $2,966-15.4% | $4,696-46.6% | $2,343+7.1% |
| Participant deferral / active EE | $6,273 | $5,051+24.2% | $6,247+0.4% | $3,332+88.3% |
| Admin fee / account holder | $2,232 | $5,421-58.8% | $9,244-75.8% | $4,645-51.9% |