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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 | $33,256 | $55,902-40.5% | $76,030-56.3% | $80,959-58.9% |
| Participation rate | 87.5% | 62.1%+25.4pp | 69.1%+18.4pp | 67.7%+19.8pp |
| Annual return | 12.54% | 20.59%-8.0pp | 361.54%-349.0pp | 35.67%-23.1pp |
| Employer contribution / active EE | $526 | $1,867-71.8% | $2,688-80.4% | $2,757-80.9% |
| Participant deferral / active EE | $3,810 | $3,051+24.9% | $4,257-10.5% | $4,300-11.4% |
| Admin fee / account holder | $798 | $5,239-84.8% | $6,421-87.6% | $6,925-88.5% |