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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 | $50,487 | $85,171-40.7% | $172,753-70.8% | $72,976-30.8% |
| Participation rate | 80.2% | 70.1%+10.2pp | 82.6%-2.4pp | 69.5%+10.7pp |
| Annual return | 26.99% | 27.32%-0.3pp | 803.00%-776.0pp | 81.02%-54.0pp |
| Employer contribution / active EE | $1,645 | $3,324-50.5% | $5,144-68.0% | $2,440-32.6% |
| Participant deferral / active EE | $3,531 | $3,260+8.3% | $5,198-32.1% | $3,608-2.1% |
| Admin fee / account holder | $3,673 | $5,880-37.5% | $13,956-73.7% | $5,124-28.3% |