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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 | $28,024 | $64,324-56.4% | $118,914-76.4% | $79,856-64.9% |
| Participation rate | 80.6% | 64.9%+15.8pp | 75.4%+5.2pp | 69.6%+11.0pp |
| Annual return | 11.09% | 86.45%-75.4pp | 35.89%-24.8pp | 31.71%-20.6pp |
| Employer contribution / active EE | $2,361 | $1,836+28.6% | $3,264-27.7% | $2,471-4.4% |
| Participant deferral / active EE | $2,222 | $2,824-21.3% | $4,266-47.9% | $3,741-40.6% |
| Admin fee / account holder | $1,992 | $4,040-50.7% | $6,582-69.7% | $5,306-62.5% |