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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 | $32,862 | $71,230-53.9% | $93,727-64.9% | $80,959-59.4% |
| Participation rate | 90.6% | 60.4%+30.2pp | 68.7%+21.9pp | 67.7%+23.0pp |
| Annual return | 11.71% | 11.26%+0.5pp | 133.83%-122.1pp | 35.67%-24.0pp |
| Employer contribution / active EE | $857 | $1,565-45.2% | $2,421-64.6% | $2,757-68.9% |
| Participant deferral / active EE | $2,900 | $4,037-28.2% | $4,417-34.3% | $4,300-32.6% |
| Admin fee / account holder | $2,809 | $6,961-59.6% | $8,292-66.1% | $6,925-59.4% |