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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 | $42,981 | $48,011-10.5% | $63,803-32.6% | $82,637-48.0% |
| Participation rate | 74.1% | 66.6%+7.5pp | 72.7%+1.4pp | 68.1%+6.0pp |
| Annual return | 12.81% | 19.84%-7.0pp | 543.72%-530.9pp | 53.51%-40.7pp |
| Employer contribution / active EE | $953 | $1,904-49.9% | $2,532-62.4% | $2,552-62.7% |
| Participant deferral / active EE | $891 | $2,846-68.7% | $3,843-76.8% | $4,126-78.4% |
| Admin fee / account holder | $371 | $3,873-90.4% | $5,196-92.9% | $7,339-94.9% |