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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 | $23,899 | $58,627-59.2% | $76,735-68.9% | $82,448-71.0% |
| Participation rate | 90.2% | 63.2%+27.0pp | 69.5%+20.7pp | 68.1%+22.1pp |
| Annual return | 13.66% | 39.10%-25.4pp | 29.77%-16.1pp | 41.64%-28.0pp |
| Employer contribution / active EE | $478 | $1,729-72.4% | $2,454-80.5% | $2,551-81.3% |
| Participant deferral / active EE | $1,115 | $3,134-64.4% | $4,088-72.7% | $4,139-73.1% |
| Admin fee / account holder | $1,006 | $5,323-81.1% | $7,189-86.0% | $7,234-86.1% |