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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 | $22,882 | $77,908-70.6% | $149,696-84.7% | $75,173-69.6% |
| Participation rate | 83.1% | 65.6%+17.5pp | 78.8%+4.3pp | 67.2%+15.9pp |
| Annual return | 18.42% | 31.73%-13.3pp | 134.46%-116.0pp | 160.72%-142.3pp |
| Employer contribution / active EE | $591 | $3,138-81.2% | $4,821-87.7% | $2,671-77.9% |
| Participant deferral / active EE | $3,404 | $3,411-0.2% | $5,682-40.1% | $4,126-17.5% |
| Admin fee / account holder | $1,054 | $5,950-82.3% | $13,212-92.0% | $5,651-81.4% |