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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 | $49,519 | $52,279-5.3% | $89,400-44.6% | $79,858-38.0% |
| Participation rate | 81.6% | 57.5%+24.1pp | 68.0%+13.7pp | 69.6%+12.0pp |
| Annual return | 16.79% | 22.16%-5.4pp | 245.64%-228.8pp | 31.72%-14.9pp |
| Employer contribution / active EE | $620 | $1,572-60.5% | $2,586-76.0% | $2,471-74.9% |
| Participant deferral / active EE | $2,555 | $2,740-6.8% | $3,890-34.3% | $3,740-31.7% |
| Admin fee / account holder | $1,568 | $3,356-53.3% | $4,882-67.9% | $5,306-70.4% |