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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 | $35,928 | $65,034-44.8% | $90,970-60.5% | $79,856-55.0% |
| Participation rate | 97.2% | 61.6%+35.6pp | 69.0%+28.2pp | 69.6%+27.6pp |
| Annual return | 11.71% | 30.45%-18.7pp | 134.60%-122.9pp | 31.71%-20.0pp |
| Employer contribution / active EE | $308 | $1,247-75.3% | $2,122-85.5% | $2,471-87.6% |
| Participant deferral / active EE | $4,224 | $2,512+68.1% | $3,373+25.2% | $3,741+12.9% |
| Admin fee / account holder | $720 | $4,536-84.1% | $5,961-87.9% | $5,306-86.4% |