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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 | $74,049 | $132,099-43.9% | $115,599-35.9% | $138,895-46.7% |
| Participation rate | 77.3% | 77.9%-0.6pp | 74.3%+3.0pp | 79.9%-2.6pp |
| Annual return | 16.20% | 176.76%-160.6pp | 111.10%-94.9pp | 145.39%-129.2pp |
| Employer contribution / active EE | $1,215 | $3,416-64.4% | $2,955-58.9% | $4,194-71.0% |
| Participant deferral / active EE | $4,445 | $5,617-20.9% | $4,889-9.1% | $6,396-30.5% |
| Admin fee / account holder | $378 | $15,650-97.6% | $12,841-97.1% | $12,562-97.0% |