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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 | $40,142 | $57,590-30.3% | $86,233-53.4% | $82,448-51.3% |
| Participation rate | 98.3% | 57.9%+40.4pp | 69.0%+29.3pp | 68.1%+30.2pp |
| Annual return | 14.64% | 22.41%-7.8pp | 61.39%-46.8pp | 41.64%-27.0pp |
| Employer contribution / active EE | $508 | $1,655-69.3% | $2,504-79.7% | $2,551-80.1% |
| Participant deferral / active EE | $1,967 | $3,080-36.1% | $4,559-56.8% | $4,139-52.5% |
| Admin fee / account holder | $1,962 | $4,730-58.5% | $8,342-76.5% | $7,234-72.9% |