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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 | $11,651 | $61,816-81.2% | $97,260-88.0% | $80,935-85.6% |
| Participation rate | 70.3% | 63.5%+6.8pp | 72.7%-2.4pp | 67.7%+2.6pp |
| Annual return | 13.61% | -558.73%+572.3pp | 75.54%-61.9pp | 35.66%-22.0pp |
| Employer contribution / active EE | $1,130 | $1,836-38.5% | $2,721-58.5% | $2,757-59.0% |
| Participant deferral / active EE | $1,337 | $3,027-55.8% | $4,262-68.6% | $4,299-68.9% |
| Admin fee / account holder | $1,407 | $5,166-72.8% | $5,640-75.0% | $6,924-79.7% |