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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 | $28,145 | $85,766-67.2% | $136,298-79.4% | $70,126-59.9% |
| Participation rate | 71.0% | 74.2%-3.2pp | 81.9%-11.0pp | 69.5%+1.4pp |
| Annual return | 15.99% | 31.46%-15.5pp | 5156.27%-5140.3pp | 73.15%-57.2pp |
| Employer contribution / active EE | $1,938 | $2,966-34.7% | $4,696-58.7% | $2,343-17.3% |
| Participant deferral / active EE | $4,003 | $5,051-20.8% | $6,247-35.9% | $3,332+20.1% |
| Admin fee / account holder | $865 | $5,421-84.0% | $9,244-90.6% | $4,645-81.4% |