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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 | $40,706 | $75,962-46.4% | $154,108-73.6% | $64,173-36.6% |
| Participation rate | 74.3% | 70.4%+3.9pp | 83.0%-8.8pp | 69.6%+4.7pp |
| Annual return | 6.86% | 30.32%-23.5pp | 735.21%-728.3pp | 7.63%-0.8pp |
| Employer contribution / active EE | $2,123 | $3,350-36.6% | $5,298-59.9% | $2,381-10.8% |
| Participant deferral / active EE | $3,898 | $3,175+22.8% | $5,081-23.3% | $3,470+12.3% |
| Admin fee / account holder | $529 | $5,589-90.5% | $13,411-96.1% | $4,887-89.2% |