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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 | $57,128 | $85,171-32.9% | $172,752-66.9% | $72,975-21.7% |
| Participation rate | 72.2% | 70.1%+2.2pp | 82.6%-10.4pp | 69.5%+2.7pp |
| Annual return | 21.32% | 27.32%-6.0pp | 802.97%-781.6pp | 81.01%-59.7pp |
| Employer contribution / active EE | $2,012 | $3,324-39.5% | $5,144-60.9% | $2,440-17.5% |
| Participant deferral / active EE | $4,360 | $3,260+33.7% | $5,198-16.1% | $3,608+20.9% |
| Admin fee / account holder | $687 | $5,880-88.3% | $13,955-95.1% | $5,124-86.6% |