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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 | $18,837 | $61,125-69.2% | $94,057-80.0% | $87,485-78.5% |
| Participation rate | 71.0% | 64.1%+6.9pp | 73.3%-2.4pp | 68.9%+2.0pp |
| Annual return | 16.57% | 35.20%-18.6pp | 480.62%-464.1pp | 26.06%-9.5pp |
| Employer contribution / active EE | $899 | $2,136-57.9% | $2,933-69.3% | $2,596-65.4% |
| Participant deferral / active EE | $2,944 | $3,260-9.7% | $4,709-37.5% | $4,274-31.1% |
| Admin fee / account holder | $2,750 | $5,629-51.1% | $7,244-62.0% | $7,775-64.6% |