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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 | $35,524 | $85,766-58.6% | $136,298-73.9% | $70,126-49.3% |
| Participation rate | 77.6% | 74.2%+3.5pp | 81.9%-4.3pp | 69.5%+8.1pp |
| Annual return | 18.36% | 31.46%-13.1pp | 5156.27%-5137.9pp | 73.15%-54.8pp |
| Employer contribution / active EE | $1,615 | $2,966-45.5% | $4,696-65.6% | $2,343-31.0% |
| Participant deferral / active EE | $5,784 | $5,051+14.5% | $6,247-7.4% | $3,332+73.6% |
| Admin fee / account holder | $485 | $5,421-91.0% | $9,244-94.7% | $4,645-89.5% |