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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 | $26,442 | $93,346-71.7% | $71,796-63.2% | $273,972-90.3% |
| Participation rate | 94.1% | 76.5%+17.6pp | 69.1%+25.0pp | 83.0%+11.1pp |
| Annual return | 6.86% | 130.39%-123.5pp | 78.04%-71.2pp | 41.46%-34.6pp |
| Employer contribution / active EE | $592 | $2,733-78.3% | $1,924-69.2% | $4,869-87.8% |
| Participant deferral / active EE | $2,962 | $3,475-14.8% | $2,794+6.0% | $5,287-44.0% |
| Admin fee / account holder | $2,644 | $6,571-59.8% | $4,815-45.1% | $10,133-73.9% |