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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 | $55,889-40.5% | $76,119-56.3% | $80,935-58.9% |
| Participation rate | 87.5% | 62.1%+25.4pp | 69.1%+18.4pp | 67.7%+19.8pp |
| Annual return | 12.54% | 20.58%-8.0pp | 361.25%-348.7pp | 35.66%-23.1pp |
| Employer contribution / active EE | $526 | $1,866-71.8% | $2,693-80.5% | $2,757-80.9% |
| Participant deferral / active EE | $3,810 | $3,051+24.9% | $4,259-10.6% | $4,299-11.4% |
| Admin fee / account holder | $798 | $5,241-84.8% | $6,421-87.6% | $6,924-88.5% |