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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 | $31,150 | $106,918-70.9% | $84,021-62.9% | $152,897-79.6% |
| Participation rate | 73.7% | 75.2%-1.6pp | 69.0%+4.7pp | 82.5%-8.8pp |
| Annual return | 22.25% | 105.01%-82.8pp | 71.32%-49.1pp | 345.43%-323.2pp |
| Employer contribution / active EE | $1,570 | $2,735-42.6% | $1,984-20.9% | $4,764-67.0% |
| Participant deferral / active EE | $2,558 | $4,012-36.2% | $3,239-21.0% | $5,851-56.3% |
| Admin fee / account holder | $400 | $8,288-95.2% | $6,102-93.4% | $11,599-96.6% |