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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 | $7,676 | $55,902-86.3% | $76,030-89.9% | $80,959-90.5% |
| Participation rate | 70.9% | 62.1%+8.8pp | 69.1%+1.8pp | 67.7%+3.2pp |
| Annual return | 15.27% | 20.59%-5.3pp | 361.54%-346.3pp | 35.67%-20.4pp |
| Employer contribution / active EE | $648 | $1,867-65.3% | $2,688-75.9% | $2,757-76.5% |
| Participant deferral / active EE | $2,730 | $3,051-10.5% | $4,257-35.9% | $4,300-36.5% |
| Admin fee / account holder | $2,144 | $5,239-59.1% | $6,421-66.6% | $6,925-69.0% |