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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 | $28,448 | $76,407-62.8% | $150,298-81.1% | $82,448-65.5% |
| Participation rate | 88.7% | 66.4%+22.3pp | 77.8%+10.9pp | 68.1%+20.6pp |
| Annual return | 15.06% | 39.99%-24.9pp | 62.79%-47.7pp | 41.64%-26.6pp |
| Employer contribution / active EE | $511 | $2,614-80.4% | $4,154-87.7% | $2,551-80.0% |
| Participant deferral / active EE | $1,710 | $3,214-46.8% | $5,453-68.6% | $4,139-58.7% |
| Admin fee / account holder | $4,157 | $6,352-34.6% | $14,116-70.5% | $7,234-42.5% |