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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 | $57,981 | $35,183+64.8% | $73,545-21.2% | $70,124-17.3% |
| Participation rate | 81.8% | 42.9%+38.9pp | 54.9%+26.9pp | 69.5%+12.3pp |
| Annual return | 17.50% | 26.90%-9.4pp | -15.16%+32.7pp | 73.14%-55.6pp |
| Employer contribution / active EE | $495 | $709-30.2% | $1,219-59.4% | $2,342-78.9% |
| Participant deferral / active EE | $1,493 | $1,220+22.4% | $1,806-17.3% | $3,332-55.2% |
| Admin fee / account holder | $1,011 | $2,302-56.1% | $2,320-56.4% | $4,645-78.2% |