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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 | $60,442-33.6% | $96,754-58.5% | $87,485-54.1% |
| Participation rate | 98.3% | 58.7%+39.6pp | 70.3%+28.0pp | 68.9%+29.4pp |
| Annual return | 14.64% | 21.97%-7.3pp | 82.04%-67.4pp | 26.06%-11.4pp |
| Employer contribution / active EE | $508 | $1,691-69.9% | $2,679-81.0% | $2,596-80.4% |
| Participant deferral / active EE | $1,967 | $3,280-40.0% | $4,758-58.6% | $4,274-54.0% |
| Admin fee / account holder | $1,962 | $5,069-61.3% | $8,905-78.0% | $7,775-74.8% |