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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 | $45,517 | $85,766-46.9% | $136,298-66.6% | $70,126-35.1% |
| Participation rate | 76.8% | 74.2%+2.6pp | 81.9%-5.1pp | 69.5%+7.2pp |
| Annual return | 28.16% | 31.46%-3.3pp | 5156.27%-5128.1pp | 73.15%-45.0pp |
| Employer contribution / active EE | $2,271 | $2,966-23.4% | $4,696-51.6% | $2,343-3.1% |
| Participant deferral / active EE | $3,337 | $5,051-33.9% | $6,247-46.6% | $3,332+0.2% |
| Admin fee / account holder | $834 | $5,421-84.6% | $9,244-91.0% | $4,645-82.0% |