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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 | $29,861 | $85,766-65.2% | $136,298-78.1% | $70,126-57.4% |
| Participation rate | 70.3% | 74.2%-3.9pp | 81.9%-11.7pp | 69.5%+0.7pp |
| Annual return | 21.79% | 31.46%-9.7pp | 5156.27%-5134.5pp | 73.15%-51.4pp |
| Employer contribution / active EE | $2,078 | $2,966-29.9% | $4,696-55.7% | $2,343-11.3% |
| Participant deferral / active EE | $4,258 | $5,051-15.7% | $6,247-31.8% | $3,332+27.8% |
| Admin fee / account holder | $749 | $5,421-86.2% | $9,244-91.9% | $4,645-83.9% |