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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 | $35,745 | $29,733+20.2% | $56,025-36.2% | $80,959-55.8% |
| Participation rate | 73.5% | 41.7%+31.8pp | 52.5%+21.0pp | 67.7%+5.9pp |
| Annual return | 12.65% | 35.28%-22.6pp | 1712.69%-1700.0pp | 35.67%-23.0pp |
| Employer contribution / active EE | $687 | $672+2.2% | $1,042-34.1% | $2,757-75.1% |
| Participant deferral / active EE | $2,919 | $1,229+137.4% | $1,955+49.3% | $4,300-32.1% |
| Admin fee / account holder | $1,318 | $2,434-45.8% | $2,828-53.4% | $6,925-81.0% |