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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 | $33,359 | $86,294-61.3% | $111,303-70.0% | $85,856-61.1% |
| Participation rate | 74.1% | 73.3%+0.7pp | 77.3%-3.2pp | 69.3%+4.8pp |
| Annual return | 13.24% | 19.99%-6.7pp | 54.66%-41.4pp | 318.58%-305.3pp |
| Employer contribution / active EE | $1,706 | $2,043-16.5% | $2,731-37.5% | $2,565-33.5% |
| Participant deferral / active EE | $3,378 | $3,641-7.2% | $4,487-24.7% | $3,952-14.5% |
| Admin fee / account holder | $2,744 | $8,189-66.5% | $7,966-65.6% | $6,261-56.2% |