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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 | $23,687 | $55,930-57.6% | $76,089-68.9% | $80,925-70.7% |
| Participation rate | 85.0% | 62.1%+22.9pp | 69.1%+15.9pp | 67.7%+17.3pp |
| Annual return | 10.52% | 20.58%-10.1pp | 360.94%-350.4pp | 35.65%-25.1pp |
| Employer contribution / active EE | $599 | $1,866-67.9% | $2,690-77.7% | $2,756-78.3% |
| Participant deferral / active EE | $1,754 | $3,051-42.5% | $4,259-58.8% | $4,299-59.2% |
| Admin fee / account holder | $1,716 | $5,241-67.3% | $6,418-73.3% | $6,940-75.3% |