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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 | $16,399 | $60,442-72.9% | $96,754-83.1% | $87,485-81.3% |
| Participation rate | 90.6% | 58.7%+31.9pp | 70.3%+20.4pp | 68.9%+21.7pp |
| Annual return | 31.22% | 21.97%+9.2pp | 82.04%-50.8pp | 26.06%+5.2pp |
| Employer contribution / active EE | $746 | $1,691-55.9% | $2,679-72.2% | $2,596-71.3% |
| Participant deferral / active EE | $1,469 | $3,280-55.2% | $4,758-69.1% | $4,274-65.6% |
| Admin fee / account holder | $1,031 | $5,069-79.7% | $8,905-88.4% | $7,775-86.7% |