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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 | $41,443 | $57,352-27.7% | $83,831-50.6% | $64,173-35.4% |
| Participation rate | 80.9% | 68.6%+12.2pp | 76.1%+4.7pp | 69.6%+11.3pp |
| Annual return | 16.61% | 11.38%+5.2pp | 850.99%-834.4pp | 7.63%+9.0pp |
| Employer contribution / active EE | $3,101 | $2,546+21.8% | $3,631-14.6% | $2,381+30.2% |
| Participant deferral / active EE | $2,245 | $2,993-25.0% | $4,082-45.0% | $3,470-35.3% |
| Admin fee / account holder | $3,124 | $4,046-22.8% | $5,479-43.0% | $4,887-36.1% |