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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 | $26,258 | $53,128-50.6% | $86,581-69.7% | $70,124-62.6% |
| Participation rate | 92.9% | 65.3%+27.6pp | 73.5%+19.3pp | 69.5%+23.3pp |
| Annual return | 16.70% | 27.66%-11.0pp | 965.06%-948.4pp | 73.14%-56.4pp |
| Employer contribution / active EE | $429 | $2,068-79.2% | $2,840-84.9% | $2,342-81.7% |
| Participant deferral / active EE | $3,818 | $2,695+41.7% | $3,609+5.8% | $3,332+14.6% |
| Admin fee / account holder | $452 | $3,584-87.4% | $4,904-90.8% | $4,645-90.3% |