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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 | $30,559 | $78,425-61.0% | $95,956-68.2% | $79,858-61.7% |
| Participation rate | 92.1% | 73.5%+18.6pp | 77.1%+15.0pp | 69.6%+22.4pp |
| Annual return | 13.22% | 19.37%-6.2pp | 91.63%-78.4pp | 31.72%-18.5pp |
| Employer contribution / active EE | $975 | $1,945-49.9% | $2,541-61.6% | $2,471-60.5% |
| Participant deferral / active EE | $2,938 | $3,440-14.6% | $4,167-29.5% | $3,740-21.4% |
| Admin fee / account holder | $1,742 | $5,622-69.0% | $6,797-74.4% | $5,306-67.2% |