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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 | $38,824 | $53,128-26.9% | $86,582-55.2% | $70,126-44.6% |
| Participation rate | 78.6% | 65.3%+13.3pp | 73.5%+5.0pp | 69.5%+9.0pp |
| Annual return | 21.08% | 27.66%-6.6pp | 965.08%-944.0pp | 73.15%-52.1pp |
| Employer contribution / active EE | $5,058 | $2,068+144.6% | $2,839+78.1% | $2,343+115.9% |
| Participant deferral / active EE | $4,451 | $2,695+65.2% | $3,609+23.3% | $3,332+33.6% |
| Admin fee / account holder | $4,052 | $3,584+13.1% | $4,904-17.4% | $4,645-12.8% |