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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 | $27,402 | $48,011-42.9% | $63,803-57.1% | $82,637-66.8% |
| Participation rate | 70.0% | 66.6%+3.4pp | 72.7%-2.7pp | 68.1%+1.9pp |
| Annual return | 14.28% | 19.84%-5.6pp | 543.72%-529.4pp | 53.51%-39.2pp |
| Employer contribution / active EE | $752 | $1,904-60.5% | $2,532-70.3% | $2,552-70.6% |
| Participant deferral / active EE | $3,067 | $2,846+7.7% | $3,843-20.2% | $4,126-25.7% |
| Admin fee / account holder | $692 | $3,873-82.1% | $5,196-86.7% | $7,339-90.6% |