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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 | $48,406 | $85,766-43.6% | $136,298-64.5% | $70,126-31.0% |
| Participation rate | 77.8% | 74.2%+3.6pp | 81.9%-4.1pp | 69.5%+8.2pp |
| Annual return | 17.18% | 31.46%-14.3pp | 5156.27%-5139.1pp | 73.15%-56.0pp |
| Employer contribution / active EE | $592 | $2,966-80.0% | $4,696-87.4% | $2,343-74.7% |
| Participant deferral / active EE | $3,992 | $5,051-21.0% | $6,247-36.1% | $3,332+19.8% |
| Admin fee / account holder | $6,603 | $5,421+21.8% | $9,244-28.6% | $4,645+42.1% |