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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 | $39,794 | $81,208-51.0% | $98,920-59.8% | $79,856-50.2% |
| Participation rate | 82.6% | 72.5%+10.1pp | 76.0%+6.6pp | 69.6%+13.0pp |
| Annual return | 12.73% | 60.99%-48.3pp | 196.47%-183.7pp | 31.71%-19.0pp |
| Employer contribution / active EE | $1,272 | $1,960-35.1% | $2,689-52.7% | $2,471-48.5% |
| Participant deferral / active EE | $2,027 | $3,265-37.9% | $4,245-52.3% | $3,741-45.8% |
| Admin fee / account holder | $2,762 | $6,013-54.1% | $6,643-58.4% | $5,306-47.9% |