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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 | $55,441 | $85,766-35.4% | $136,298-59.3% | $70,126-20.9% |
| Participation rate | 81.6% | 74.2%+7.5pp | 81.9%-0.3pp | 69.5%+12.1pp |
| Annual return | 17.90% | 31.46%-13.6pp | 5156.27%-5138.4pp | 73.15%-55.2pp |
| Employer contribution / active EE | $2,217 | $2,966-25.2% | $4,696-52.8% | $2,343-5.3% |
| Participant deferral / active EE | $4,985 | $5,051-1.3% | $6,247-20.2% | $3,332+49.6% |
| Admin fee / account holder | $600 | $5,421-88.9% | $9,244-93.5% | $4,645-87.1% |