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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 | $67,036 | $91,198-26.5% | $178,503-62.4% | $79,856-16.1% |
| Participation rate | 76.6% | 69.2%+7.4pp | 81.9%-5.3pp | 69.6%+7.0pp |
| Annual return | 15.40% | 24.20%-8.8pp | 151.12%-135.7pp | 31.71%-16.3pp |
| Employer contribution / active EE | $984 | $3,257-69.8% | $5,011-80.4% | $2,471-60.2% |
| Participant deferral / active EE | $2,767 | $3,237-14.5% | $5,202-46.8% | $3,741-26.0% |
| Admin fee / account holder | $1,116 | $6,748-83.5% | $13,987-92.0% | $5,306-79.0% |