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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 | $32,528 | $83,369-61.0% | $105,223-69.1% | $67,986-52.2% |
| Participation rate | 80.4% | 56.3%+24.1pp | 75.0%+5.4pp | 57.2%+23.2pp |
| Annual return | 15.96% | 24.64%-8.7pp | 180.65%-164.7pp | 31.67%-15.7pp |
| Employer contribution / active EE | $717 | $2,541-71.8% | $3,689-80.6% | $2,019-64.5% |
| Participant deferral / active EE | $2,276 | $3,295-30.9% | $5,072-55.1% | $3,358-32.2% |
| Admin fee / account holder | $2,089 | $4,073-48.7% | $8,859-76.4% | $3,203-34.8% |