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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 | $44,590 | $85,171-47.6% | $172,752-74.2% | $72,975-38.9% |
| Participation rate | 81.0% | 70.1%+10.9pp | 82.6%-1.7pp | 69.5%+11.5pp |
| Annual return | 22.43% | 27.32%-4.9pp | 802.97%-780.5pp | 81.01%-58.6pp |
| Employer contribution / active EE | $1,132 | $3,324-65.9% | $5,144-78.0% | $2,440-53.6% |
| Participant deferral / active EE | $4,118 | $3,260+26.3% | $5,198-20.8% | $3,608+14.1% |
| Admin fee / account holder | $1,558 | $5,880-73.5% | $13,955-88.8% | $5,124-69.6% |