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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 | $56,060-40.7% | $76,002-56.2% | $80,874-58.9% |
| Participation rate | 87.5% | 62.0%+25.5pp | 69.1%+18.4pp | 67.6%+19.9pp |
| Annual return | 12.54% | 20.54%-8.0pp | 360.07%-347.5pp | 35.62%-23.1pp |
| Employer contribution / active EE | $526 | $1,873-71.9% | $2,688-80.4% | $2,756-80.9% |
| Participant deferral / active EE | $3,810 | $3,051+24.8% | $4,257-10.5% | $4,297-11.3% |
| Admin fee / account holder | $798 | $5,237-84.8% | $6,414-87.6% | $6,935-88.5% |