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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 | $53,060 | $58,264-8.9% | $86,605-38.7% | $71,476-25.8% |
| Participation rate | 71.4% | 65.0%+6.4pp | 71.7%-0.3pp | 67.9%+3.5pp |
| Annual return | 16.42% | 21.63%-5.2pp | 591.39%-575.0pp | 28.85%-12.4pp |
| Employer contribution / active EE | $1,644 | $2,574-36.1% | $3,023-45.6% | $2,589-36.5% |
| Participant deferral / active EE | $3,062 | $3,436-10.9% | $4,438-31.0% | $4,290-28.6% |
| Admin fee / account holder | $4,724 | $1,057+346.9% | $5,611-15.8% | $1,587+197.6% |