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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 | $19,202 | $46,596-58.8% | $64,099-70.0% | $75,181-74.5% |
| Participation rate | 73.3% | 65.9%+7.4pp | 72.3%+1.0pp | 67.2%+6.1pp |
| Annual return | 13.04% | 26.04%-13.0pp | 33.70%-20.7pp | 160.69%-147.6pp |
| Employer contribution / active EE | $661 | $1,975-66.5% | $2,748-75.9% | $2,671-75.2% |
| Participant deferral / active EE | $2,495 | $2,837-12.1% | $3,881-35.7% | $4,126-39.5% |
| Admin fee / account holder | $817 | $2,954-72.3% | $3,070-73.4% | $5,650-85.5% |