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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 | $41,746 | $85,766-51.3% | $136,298-69.4% | $70,126-40.5% |
| Participation rate | 74.4% | 74.2%+0.3pp | 81.9%-7.5pp | 69.5%+4.9pp |
| Annual return | 15.87% | 31.46%-15.6pp | 5156.27%-5140.4pp | 73.15%-57.3pp |
| Employer contribution / active EE | $1,884 | $2,966-36.5% | $4,696-59.9% | $2,343-19.6% |
| Participant deferral / active EE | $3,791 | $5,051-25.0% | $6,247-39.3% | $3,332+13.8% |
| Admin fee / account holder | $6,240 | $5,421+15.1% | $9,244-32.5% | $4,645+34.3% |