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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 | $24,445 | $78,682-68.9% | $109,188-77.6% | $85,851-71.5% |
| Participation rate | 96.0% | 68.3%+27.7pp | 75.9%+20.1pp | 69.3%+26.7pp |
| Annual return | 13.85% | 25.09%-11.2pp | 25.76%-11.9pp | 318.63%-304.8pp |
| Employer contribution / active EE | $761 | $2,734-72.2% | $3,723-79.6% | $2,565-70.3% |
| Participant deferral / active EE | $5,183 | $3,468+49.5% | $4,654+11.4% | $3,952+31.1% |
| Admin fee / account holder | $589 | $5,470-89.2% | $6,755-91.3% | $6,261-90.6% |