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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 | $36,630 | $78,428-53.3% | $95,960-61.8% | $79,852-54.1% |
| Participation rate | 73.9% | 73.5%+0.4pp | 77.1%-3.2pp | 69.6%+4.3pp |
| Annual return | 17.76% | 19.37%-1.6pp | 91.63%-73.9pp | 31.72%-14.0pp |
| Employer contribution / active EE | $1,037 | $1,945-46.7% | $2,541-59.2% | $2,471-58.0% |
| Participant deferral / active EE | $1,705 | $3,440-50.4% | $4,167-59.1% | $3,740-54.4% |
| Admin fee / account holder | $2,557 | $5,622-54.5% | $6,797-62.4% | $5,306-51.8% |