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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 | $33,289 | $81,208-59.0% | $98,920-66.3% | $79,856-58.3% |
| Participation rate | 92.6% | 72.5%+20.1pp | 76.0%+16.6pp | 69.6%+23.0pp |
| Annual return | 15.20% | 60.99%-45.8pp | 196.47%-181.3pp | 31.71%-16.5pp |
| Employer contribution / active EE | $496 | $1,960-74.7% | $2,689-81.5% | $2,471-79.9% |
| Participant deferral / active EE | $2,929 | $3,265-10.3% | $4,245-31.0% | $3,741-21.7% |
| Admin fee / account holder | $3,751 | $6,013-37.6% | $6,643-43.5% | $5,306-29.3% |