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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 | $18,949 | $78,690-75.9% | $161,489-88.3% | $87,485-78.3% |
| Participation rate | 78.9% | 67.5%+11.5pp | 78.7%+0.3pp | 68.9%+10.0pp |
| Annual return | 19.36% | 32.74%-13.4pp | 89.72%-70.4pp | 26.06%-6.7pp |
| Employer contribution / active EE | $927 | $2,588-64.2% | $4,268-78.3% | $2,596-64.3% |
| Participant deferral / active EE | $2,562 | $3,311-22.6% | $5,630-54.5% | $4,274-40.1% |
| Admin fee / account holder | $2,684 | $6,724-60.1% | $16,006-83.2% | $7,775-65.5% |