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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 | $25,339 | $81,358-68.9% | $155,556-83.7% | $80,959-68.7% |
| Participation rate | 91.9% | 66.3%+25.7pp | 78.2%+13.7pp | 67.7%+24.3pp |
| Annual return | 13.81% | 33.39%-19.6pp | 64.84%-51.0pp | 35.67%-21.9pp |
| Employer contribution / active EE | $556 | $3,106-82.1% | $4,675-88.1% | $2,757-79.8% |
| Participant deferral / active EE | $3,585 | $3,455+3.7% | $5,631-36.3% | $4,300-16.6% |
| Admin fee / account holder | $1,614 | $7,994-79.8% | $15,885-89.8% | $6,925-76.7% |