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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 | $23,554 | $70,666-66.7% | $169,385-86.1% | $75,181-68.7% |
| Participation rate | 72.0% | 64.8%+7.2pp | 77.2%-5.2pp | 67.2%+4.8pp |
| Annual return | 21.66% | 36.37%-14.7pp | 405.82%-384.2pp | 160.69%-139.0pp |
| Employer contribution / active EE | $1,421 | $2,210-35.7% | $4,012-64.6% | $2,671-46.8% |
| Participant deferral / active EE | $3,183 | $4,308-26.1% | $6,221-48.8% | $4,126-22.8% |
| Admin fee / account holder | $945 | $5,402-82.5% | $9,011-89.5% | $5,650-83.3% |