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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 | $35,644 | $85,766-58.4% | $136,298-73.8% | $70,126-49.2% |
| Participation rate | 72.2% | 74.2%-1.9pp | 81.9%-9.7pp | 69.5%+2.7pp |
| Annual return | 22.84% | 31.46%-8.6pp | 5156.27%-5133.4pp | 73.15%-50.3pp |
| Employer contribution / active EE | $2,685 | $2,966-9.5% | $4,696-42.8% | $2,343+14.6% |
| Participant deferral / active EE | $5,456 | $5,051+8.0% | $6,247-12.7% | $3,332+63.8% |
| Admin fee / account holder | $1,099 | $5,421-79.7% | $9,244-88.1% | $4,645-76.3% |