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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 | $40,088 | $85,766-53.3% | $136,298-70.6% | $70,126-42.8% |
| Participation rate | 90.9% | 74.2%+16.8pp | 81.9%+9.0pp | 69.5%+21.4pp |
| Annual return | 21.40% | 31.46%-10.1pp | 5156.27%-5134.9pp | 73.15%-51.8pp |
| Employer contribution / active EE | $2,344 | $2,966-21.0% | $4,696-50.1% | $2,343+0.1% |
| Participant deferral / active EE | $6,365 | $5,051+26.0% | $6,247+1.9% | $3,332+91.0% |
| Admin fee / account holder | $3,548 | $5,421-34.6% | $9,244-61.6% | $4,645-23.6% |