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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 | $51,820 | $48,570+6.7% | $130,660-60.3% | $72,975-29.0% |
| Participation rate | 70.0% | 58.6%+11.4pp | 71.7%-1.7pp | 69.5%+0.5pp |
| Annual return | 17.45% | 38.63%-21.2pp | 1709.29%-1691.8pp | 81.01%-63.6pp |
| Employer contribution / active EE | $1,004 | $1,334-24.7% | $4,092-75.5% | $2,440-58.8% |
| Participant deferral / active EE | $3,414 | $2,384+43.2% | $3,603-5.3% | $3,608-5.4% |
| Admin fee / account holder | $2,821 | $3,549-20.5% | $5,463-48.4% | $5,124-44.9% |