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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 | $27,248 | $48,364-43.7% | $71,796-62.0% | $62,881-56.7% |
| Participation rate | 75.9% | 60.6%+15.2pp | 69.1%+6.7pp | 69.3%+6.6pp |
| Annual return | 9.17% | 13.16%-4.0pp | 78.04%-68.9pp | 20.14%-11.0pp |
| Employer contribution / active EE | $696 | $1,042-33.2% | $1,924-63.8% | $2,281-69.5% |
| Participant deferral / active EE | $1,811 | $2,091-13.4% | $2,794-35.2% | $3,203-43.5% |
| Admin fee / account holder | $3,939 | $3,771+4.4% | $4,815-18.2% | $4,296-8.3% |