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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 | $32,908 | $75,807-56.6% | $116,096-71.7% | $86,983-62.2% |
| Participation rate | 79.5% | 66.9%+12.7pp | 73.3%+6.2pp | 69.5%+10.0pp |
| Annual return | 17.12% | 18.57%-1.4pp | 326.25%-309.1pp | 25.83%-8.7pp |
| Employer contribution / active EE | $450 | $1,892-76.2% | $2,503-82.0% | $2,584-82.6% |
| Participant deferral / active EE | $1,452 | $3,212-54.8% | $3,952-63.2% | $4,194-65.4% |
| Admin fee / account holder | $712 | $6,659-89.3% | $7,704-90.8% | $7,856-90.9% |