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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 | $32,797 | $85,766-61.8% | $136,298-75.9% | $70,126-53.2% |
| Participation rate | 81.0% | 74.2%+6.8pp | 81.9%-1.0pp | 69.5%+11.4pp |
| Annual return | 25.40% | 31.46%-6.1pp | 5156.27%-5130.9pp | 73.15%-47.8pp |
| Employer contribution / active EE | $3,456 | $2,966+16.5% | $4,696-26.4% | $2,343+47.5% |
| Participant deferral / active EE | $4,543 | $5,051-10.1% | $6,247-27.3% | $3,332+36.3% |
| Admin fee / account holder | $421 | $5,421-92.2% | $9,244-95.4% | $4,645-90.9% |