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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 | $58,262 | $91,167-36.1% | $178,498-67.4% | $79,858-27.0% |
| Participation rate | 77.1% | 69.2%+7.9pp | 81.9%-4.8pp | 69.6%+7.5pp |
| Annual return | 18.52% | 24.19%-5.7pp | 151.09%-132.6pp | 31.72%-13.2pp |
| Employer contribution / active EE | $809 | $3,255-75.2% | $5,011-83.9% | $2,471-67.3% |
| Participant deferral / active EE | $2,993 | $3,236-7.5% | $5,202-42.5% | $3,740-20.0% |
| Admin fee / account holder | $1,677 | $6,747-75.2% | $13,985-88.0% | $5,306-68.4% |