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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 | $79,807 | $68,573+16.4% | $120,368-33.7% | $80,874-1.3% |
| Participation rate | 76.0% | 61.6%+14.4pp | 71.9%+4.1pp | 67.6%+8.4pp |
| Annual return | 12.97% | 23.61%-10.6pp | 107.26%-94.3pp | 35.62%-22.7pp |
| Employer contribution / active EE | $948 | $2,052-53.8% | $3,465-72.6% | $2,756-65.6% |
| Participant deferral / active EE | $1,581 | $3,174-50.2% | $4,991-68.3% | $4,297-63.2% |
| Admin fee / account holder | $684 | $5,734-88.1% | $9,429-92.7% | $6,935-90.1% |