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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 | $61,815-45.6% | $97,295-65.4% | $80,959-58.4% |
| Participation rate | 81.5% | 63.5%+18.0pp | 72.7%+8.9pp | 67.7%+13.9pp |
| Annual return | 16.34% | -558.73%+575.1pp | 75.62%-59.3pp | 35.67%-19.3pp |
| Employer contribution / active EE | $503 | $1,836-72.6% | $2,723-81.5% | $2,757-81.7% |
| Participant deferral / active EE | $3,071 | $3,027+1.5% | $4,264-28.0% | $4,300-28.6% |
| Admin fee / account holder | $3,336 | $5,166-35.4% | $5,646-40.9% | $6,925-51.8% |