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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 | $29,950 | $157,304-81.0% | $141,197-78.8% | $152,909-80.4% |
| Participation rate | 85.7% | 84.8%+0.9pp | 82.5%+3.2pp | 82.5%+3.3pp |
| Annual return | 25.96% | 64.34%-38.4pp | 71.41%-45.4pp | 345.46%-319.5pp |
| Employer contribution / active EE | $1,094 | $5,263-79.2% | $4,736-76.9% | $4,764-77.0% |
| Participant deferral / active EE | $4,871 | $7,111-31.5% | $6,710-27.4% | $5,851-16.8% |
| Admin fee / account holder | $1,052 | $12,126-91.3% | $10,265-89.8% | $11,601-90.9% |