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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 | $40,967 | $77,145-46.9% | $108,410-62.2% | $85,856-52.3% |
| Participation rate | 78.7% | 74.7%+4.1pp | 80.1%-1.4pp | 69.3%+9.4pp |
| Annual return | 14.43% | 44.54%-30.1pp | 905.34%-890.9pp | 318.58%-304.2pp |
| Employer contribution / active EE | $282 | $2,379-88.1% | $3,558-92.1% | $2,565-89.0% |
| Participant deferral / active EE | $4,142 | $5,566-25.6% | $6,562-36.9% | $3,952+4.8% |
| Admin fee / account holder | $1,048 | $5,172-79.7% | $7,296-85.6% | $6,261-83.3% |