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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 | $33,371 | $98,776-66.2% | $149,745-77.7% | $79,856-58.2% |
| Participation rate | 73.8% | 75.8%-2.0pp | 82.5%-8.7pp | 69.6%+4.2pp |
| Annual return | 35.57% | 27.38%+8.2pp | 276.72%-241.2pp | 31.71%+3.9pp |
| Employer contribution / active EE | $1,221 | $3,217-62.0% | $4,646-73.7% | $2,471-50.6% |
| Participant deferral / active EE | $4,513 | $5,681-20.6% | $6,843-34.0% | $3,741+20.7% |
| Admin fee / account holder | $708 | $6,053-88.3% | $9,312-92.4% | $5,306-86.7% |