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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 | $63,941 | $85,171-24.9% | $172,753-63.0% | $72,976-12.4% |
| Participation rate | 87.2% | 70.1%+17.1pp | 82.6%+4.5pp | 69.5%+17.7pp |
| Annual return | 24.35% | 27.32%-3.0pp | 803.00%-778.6pp | 81.02%-56.7pp |
| Employer contribution / active EE | $1,934 | $3,324-41.8% | $5,144-62.4% | $2,440-20.7% |
| Participant deferral / active EE | $3,041 | $3,260-6.7% | $5,198-41.5% | $3,608-15.7% |
| Admin fee / account holder | $1,421 | $5,880-75.8% | $13,956-89.8% | $5,124-72.3% |