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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 | $36,026 | $49,177-26.7% | $79,467-54.7% | $64,173-43.9% |
| Participation rate | 80.0% | 65.0%+15.0pp | 73.3%+6.7pp | 69.6%+10.4pp |
| Annual return | 0.95% | -1.16%+2.1pp | 718.30%-717.4pp | 7.63%-6.7pp |
| Employer contribution / active EE | $829 | $2,076-60.1% | $2,800-70.4% | $2,381-65.2% |
| Participant deferral / active EE | $1,721 | $2,821-39.0% | $3,704-53.5% | $3,470-50.4% |
| Admin fee / account holder | $429 | $3,839-88.8% | $5,104-91.6% | $4,887-91.2% |