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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 | $35,329 | $73,107-51.7% | $114,563-69.2% | $87,485-59.6% |
| Participation rate | 77.1% | 65.8%+11.3pp | 72.9%+4.2pp | 68.9%+8.2pp |
| Annual return | 15.35% | 19.47%-4.1pp | 241.09%-225.7pp | 26.06%-10.7pp |
| Employer contribution / active EE | $974 | $1,881-48.2% | $2,592-62.4% | $2,596-62.5% |
| Participant deferral / active EE | $1,991 | $3,144-36.7% | $4,142-51.9% | $4,274-53.4% |
| Admin fee / account holder | $1,918 | $5,770-66.8% | $7,623-74.8% | $7,775-75.3% |