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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 | $20,988 | $101,063-79.2% | $81,473-74.2% | $147,585-85.8% |
| Participation rate | 73.9% | 74.5%-0.5pp | 68.0%+6.0pp | 82.8%-8.9pp |
| Annual return | 21.44% | 32.41%-11.0pp | 38.78%-17.3pp | 578.58%-557.1pp |
| Employer contribution / active EE | $2,133 | $3,206-33.5% | $2,568-16.9% | $4,876-56.3% |
| Participant deferral / active EE | $5,367 | $4,242+26.5% | $3,537+51.8% | $5,439-1.3% |
| Admin fee / account holder | $741 | $5,812-87.3% | $4,561-83.8% | $10,886-93.2% |