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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 | $51,149 | $73,107-30.0% | $114,563-55.4% | $87,485-41.5% |
| Participation rate | 86.7% | 65.8%+20.9pp | 72.9%+13.8pp | 68.9%+17.7pp |
| Annual return | 12.69% | 19.47%-6.8pp | 241.09%-228.4pp | 26.06%-13.4pp |
| Employer contribution / active EE | $500 | $1,881-73.4% | $2,592-80.7% | $2,596-80.7% |
| Participant deferral / active EE | $4,345 | $3,144+38.2% | $4,142+4.9% | $4,274+1.7% |
| Admin fee / account holder | $2,530 | $5,770-56.1% | $7,623-66.8% | $7,775-67.5% |