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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 | $49,789 | $78,425-36.5% | $95,956-48.1% | $79,858-37.7% |
| Participation rate | 85.7% | 73.5%+12.2pp | 77.1%+8.6pp | 69.6%+16.1pp |
| Annual return | 11.61% | 19.37%-7.8pp | 91.63%-80.0pp | 31.72%-20.1pp |
| Employer contribution / active EE | $509 | $1,945-73.9% | $2,541-80.0% | $2,471-79.4% |
| Participant deferral / active EE | $1,822 | $3,440-47.0% | $4,167-56.3% | $3,740-51.3% |
| Admin fee / account holder | $610 | $5,622-89.1% | $6,797-91.0% | $5,306-88.5% |