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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 | $63,354-48.1% | $94,105-65.0% | $82,637-60.2% |
| Participation rate | 79.5% | 63.8%+15.7pp | 71.9%+7.6pp | 68.1%+11.5pp |
| Annual return | 17.12% | 34.36%-17.2pp | 204.55%-187.4pp | 53.51%-36.4pp |
| Employer contribution / active EE | $450 | $1,760-74.4% | $2,504-82.0% | $2,552-82.4% |
| Participant deferral / active EE | $1,452 | $2,873-49.5% | $3,881-62.6% | $4,126-64.8% |
| Admin fee / account holder | $712 | $5,073-86.0% | $6,199-88.5% | $7,339-90.3% |