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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 | $43,726 | $98,760-55.7% | $149,715-70.8% | $79,858-45.2% |
| Participation rate | 87.1% | 75.8%+11.3pp | 82.5%+4.6pp | 69.6%+17.5pp |
| Annual return | 18.15% | 27.43%-9.3pp | 276.66%-258.5pp | 31.72%-13.6pp |
| Employer contribution / active EE | $705 | $3,217-78.1% | $4,645-84.8% | $2,471-71.5% |
| Participant deferral / active EE | $3,533 | $5,681-37.8% | $6,842-48.4% | $3,740-5.5% |
| Admin fee / account holder | $2,015 | $6,053-66.7% | $9,310-78.4% | $5,306-62.0% |