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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 | $28,972 | $81,358-64.4% | $155,556-81.4% | $80,959-64.2% |
| Participation rate | 83.1% | 66.3%+16.9pp | 78.2%+4.9pp | 67.7%+15.4pp |
| Annual return | 11.32% | 33.39%-22.1pp | 64.84%-53.5pp | 35.67%-24.4pp |
| Employer contribution / active EE | $612 | $3,106-80.3% | $4,675-86.9% | $2,757-77.8% |
| Participant deferral / active EE | $3,519 | $3,455+1.8% | $5,631-37.5% | $4,300-18.2% |
| Admin fee / account holder | $1,431 | $7,994-82.1% | $15,885-91.0% | $6,925-79.3% |