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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 | $33,645 | $61,787-45.5% | $97,197-65.4% | $80,925-58.4% |
| Participation rate | 81.5% | 63.5%+18.0pp | 72.7%+8.8pp | 67.7%+13.9pp |
| Annual return | 16.34% | -558.16%+574.5pp | 75.47%-59.1pp | 35.65%-19.3pp |
| Employer contribution / active EE | $503 | $1,836-72.6% | $2,723-81.5% | $2,756-81.7% |
| Participant deferral / active EE | $3,071 | $3,027+1.4% | $4,263-28.0% | $4,299-28.6% |
| Admin fee / account holder | $3,336 | $5,170-35.5% | $5,637-40.8% | $6,940-51.9% |