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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 | $75,807-32.5% | $116,096-55.9% | $86,983-41.2% |
| Participation rate | 86.7% | 66.9%+19.8pp | 73.3%+13.3pp | 69.5%+17.1pp |
| Annual return | 12.69% | 18.57%-5.9pp | 326.25%-313.6pp | 25.83%-13.1pp |
| Employer contribution / active EE | $500 | $1,892-73.6% | $2,503-80.0% | $2,584-80.6% |
| Participant deferral / active EE | $4,345 | $3,212+35.3% | $3,952+9.9% | $4,194+3.6% |
| Admin fee / account holder | $2,530 | $6,659-62.0% | $7,704-67.2% | $7,856-67.8% |