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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 | $12,821 | $72,071-82.2% | $68,368-81.2% | $137,256-90.7% |
| Participation rate | 75.0% | 76.2%-1.2pp | 73.8%+1.2pp | 80.0%-5.0pp |
| Annual return | 17.86% | 353.14%-335.3pp | 292.57%-274.7pp | 220.34%-202.5pp |
| Employer contribution / active EE | $1,127 | $2,788-59.6% | $2,649-57.5% | $4,156-72.9% |
| Participant deferral / active EE | $1,897 | $4,410-57.0% | $4,123-54.0% | $6,407-70.4% |
| Admin fee / account holder | $495 | $5,336-90.7% | $5,150-90.4% | $12,270-96.0% |