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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 | $30,086 | $57,541-47.7% | $95,740-68.6% | $75,173-60.0% |
| Participation rate | 83.1% | 62.5%+20.6pp | 72.3%+10.9pp | 67.2%+15.9pp |
| Annual return | 20.64% | 34.93%-14.3pp | 28.41%-7.8pp | 160.72%-140.1pp |
| Employer contribution / active EE | $698 | $1,808-61.4% | $2,836-75.4% | $2,671-73.9% |
| Participant deferral / active EE | $3,276 | $3,074+6.6% | $4,244-22.8% | $4,126-20.6% |
| Admin fee / account holder | $1,398 | $4,099-65.9% | $5,676-75.4% | $5,651-75.3% |