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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 | $43,327 | $87,132-50.3% | $105,624-59.0% | $80,959-46.5% |
| Participation rate | 74.5% | 70.4%+4.1pp | 75.3%-0.8pp | 67.7%+6.8pp |
| Annual return | 10.93% | 17.03%-6.1pp | 116.20%-105.3pp | 35.67%-24.7pp |
| Employer contribution / active EE | $1,041 | $2,397-56.6% | $3,168-67.1% | $2,757-62.2% |
| Participant deferral / active EE | $3,480 | $3,985-12.7% | $5,013-30.6% | $4,300-19.1% |
| Admin fee / account holder | $946 | $8,449-88.8% | $10,961-91.4% | $6,925-86.3% |