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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 | $30,032 | $85,766-65.0% | $136,298-78.0% | $70,126-57.2% |
| Participation rate | 91.4% | 74.2%+17.3pp | 81.9%+9.5pp | 69.5%+21.9pp |
| Annual return | 15.54% | 31.46%-15.9pp | 5156.27%-5140.7pp | 73.15%-57.6pp |
| Employer contribution / active EE | $1,982 | $2,966-33.2% | $4,696-57.8% | $2,343-15.4% |
| Participant deferral / active EE | $4,655 | $5,051-7.9% | $6,247-25.5% | $3,332+39.7% |
| Admin fee / account holder | $2,236 | $5,421-58.7% | $9,244-75.8% | $4,645-51.9% |