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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 | $42,471 | $89,367-52.5% | $141,191-69.9% | $72,975-41.8% |
| Participation rate | 76.1% | 75.1%+1.0pp | 82.5%-6.4pp | 69.5%+6.6pp |
| Annual return | 19.36% | 111.87%-92.5pp | 71.41%-52.0pp | 81.01%-61.6pp |
| Employer contribution / active EE | $2,118 | $3,115-32.0% | $4,736-55.3% | $2,440-13.2% |
| Participant deferral / active EE | $3,999 | $5,419-26.2% | $6,710-40.4% | $3,608+10.8% |
| Admin fee / account holder | $1,121 | $5,957-81.2% | $10,264-89.1% | $5,124-78.1% |