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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 | $50,844 | $78,428-35.2% | $95,960-47.0% | $79,852-36.3% |
| Participation rate | 72.2% | 73.5%-1.3pp | 77.1%-4.9pp | 69.6%+2.6pp |
| Annual return | 17.54% | 19.37%-1.8pp | 91.63%-74.1pp | 31.72%-14.2pp |
| Employer contribution / active EE | $644 | $1,945-66.9% | $2,541-74.7% | $2,471-74.0% |
| Participant deferral / active EE | $2,943 | $3,440-14.4% | $4,167-29.4% | $3,740-21.3% |
| Admin fee / account holder | $362 | $5,622-93.6% | $6,797-94.7% | $5,306-93.2% |