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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 | $53,638 | $85,766-37.5% | $136,298-60.6% | $70,126-23.5% |
| Participation rate | 72.5% | 74.2%-1.6pp | 81.9%-9.4pp | 69.5%+3.0pp |
| Annual return | 15.18% | 31.46%-16.3pp | 5156.27%-5141.1pp | 73.15%-58.0pp |
| Employer contribution / active EE | $1,890 | $2,966-36.3% | $4,696-59.7% | $2,343-19.3% |
| Participant deferral / active EE | $3,139 | $5,051-37.9% | $6,247-49.8% | $3,332-5.8% |
| Admin fee / account holder | $2,062 | $5,421-62.0% | $9,244-77.7% | $4,645-55.6% |