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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 | $23,554 | $51,638-54.4% | $68,368-65.5% | $82,448-71.4% |
| Participation rate | 88.2% | 63.6%+24.6pp | 73.8%+14.5pp | 68.1%+20.2pp |
| Annual return | 15.34% | 37.53%-22.2pp | 292.57%-277.2pp | 41.64%-26.3pp |
| Employer contribution / active EE | $431 | $2,047-79.0% | $2,649-83.7% | $2,551-83.1% |
| Participant deferral / active EE | $2,347 | $2,914-19.5% | $4,123-43.1% | $4,139-43.3% |
| Admin fee / account holder | $457 | $4,643-90.2% | $5,150-91.1% | $7,234-93.7% |