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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 | $50,121 | $62,592-19.9% | $85,709-41.5% | $85,847-41.6% |
| Participation rate | 77.1% | 61.1%+16.0pp | 69.9%+7.3pp | 69.3%+7.8pp |
| Annual return | 14.41% | 23.77%-9.4pp | 21.49%-7.1pp | 318.61%-304.2pp |
| Employer contribution / active EE | $421 | $1,755-76.0% | $2,619-83.9% | $2,565-83.6% |
| Participant deferral / active EE | $2,196 | $2,802-21.6% | $3,924-44.0% | $3,952-44.4% |
| Admin fee / account holder | $734 | $4,643-84.2% | $6,876-89.3% | $6,261-88.3% |