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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 | $48,197 | $118,875-59.5% | $96,572-50.1% | $167,553-71.2% |
| Participation rate | 81.8% | 75.5%+6.3pp | 69.8%+12.0pp | 82.1%-0.3pp |
| Annual return | 17.97% | 50.50%-32.5pp | 37.79%-19.8pp | 478.89%-460.9pp |
| Employer contribution / active EE | $1,925 | $3,121-38.3% | $2,357-18.3% | $4,840-60.2% |
| Participant deferral / active EE | $4,866 | $4,617+5.4% | $3,850+26.4% | $6,343-23.3% |
| Admin fee / account holder | $892 | $8,070-88.9% | $6,183-85.6% | $12,316-92.8% |