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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 | $20,140 | $52,911-61.9% | $73,309-72.5% | $59,633-66.2% |
| Participation rate | 94.7% | 68.2%+26.5pp | 74.9%+19.8pp | 68.7%+26.1pp |
| Annual return | 10.83% | 12.20%-1.4pp | 5.67%+5.2pp | 2041.45%-2030.6pp |
| Employer contribution / active EE | $434 | $1,909-77.3% | $3,237-86.6% | $2,203-80.3% |
| Participant deferral / active EE | $6,417 | $4,069+57.7% | $4,991+28.6% | $3,192+101.1% |
| Admin fee / account holder | $3,890 | $3,835+1.4% | $5,635-31.0% | $4,297-9.5% |