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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 | $14,208 | $48,053-70.4% | $84,637-83.2% | $72,976-80.5% |
| Participation rate | 74.2% | 57.6%+16.6pp | 68.2%+6.0pp | 69.5%+4.7pp |
| Annual return | 24.64% | 37.39%-12.8pp | 258.82%-234.2pp | 81.02%-56.4pp |
| Employer contribution / active EE | $1,487 | $1,602-7.2% | $2,653-44.0% | $2,440-39.1% |
| Participant deferral / active EE | $2,303 | $2,681-14.1% | $3,900-40.9% | $3,608-36.2% |
| Admin fee / account holder | $336 | $3,395-90.1% | $4,914-93.2% | $5,124-93.4% |