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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 | $48,827 | $85,766-43.1% | $136,298-64.2% | $70,126-30.4% |
| Participation rate | 73.5% | 74.2%-0.7pp | 81.9%-8.5pp | 69.5%+3.9pp |
| Annual return | 16.08% | 31.46%-15.4pp | 5156.27%-5140.2pp | 73.15%-57.1pp |
| Employer contribution / active EE | $760 | $2,966-74.4% | $4,696-83.8% | $2,343-67.5% |
| Participant deferral / active EE | $4,866 | $5,051-3.7% | $6,247-22.1% | $3,332+46.1% |
| Admin fee / account holder | $4,124 | $5,421-23.9% | $9,244-55.4% | $4,645-11.2% |