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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 | $32,653 | $30,732+6.2% | $59,496-45.1% | $59,633-45.2% |
| Participation rate | 100.0% | 43.2%+56.8pp | 54.6%+45.4pp | 68.7%+31.3pp |
| Annual return | 3.37% | 4.47%-1.1pp | 182.05%-178.7pp | 2041.45%-2038.1pp |
| Employer contribution / active EE | $515 | $631-18.4% | $1,153-55.4% | $2,203-76.6% |
| Participant deferral / active EE | $1,254 | $1,183+6.0% | $1,829-31.4% | $3,192-60.7% |
| Admin fee / account holder | $396 | $2,136-81.5% | $2,232-82.3% | $4,297-90.8% |