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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 | $29,574 | $58,099-49.1% | $76,872-61.5% | $75,173-60.7% |
| Participation rate | 100.0% | 63.9%+36.1pp | 69.6%+30.4pp | 67.2%+32.8pp |
| Annual return | 18.12% | 26.71%-8.6pp | 37.90%-19.8pp | 160.72%-142.6pp |
| Employer contribution / active EE | $813 | $1,996-59.3% | $2,533-67.9% | $2,671-69.6% |
| Participant deferral / active EE | $5,988 | $2,999+99.7% | $3,832+56.3% | $4,126+45.1% |
| Admin fee / account holder | $3,019 | $4,778-36.8% | $5,476-44.9% | $5,651-46.6% |