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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 | $32,776 | $104,482-68.6% | $159,455-79.4% | $79,393-58.7% |
| Participation rate | 75.5% | 76.6%-1.1pp | 82.8%-7.4pp | 70.7%+4.8pp |
| Annual return | 19.82% | 67.96%-48.1pp | 263.63%-243.8pp | 116.87%-97.0pp |
| Employer contribution / active EE | $1,980 | $3,416-42.1% | $4,830-59.0% | $2,428-18.5% |
| Participant deferral / active EE | $6,104 | $6,467-5.6% | $7,353-17.0% | $4,046+50.9% |
| Admin fee / account holder | $1,641 | $711+130.7% | $10,800-84.8% | $627+161.9% |