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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 | $38,574 | $78,428-50.8% | $95,960-59.8% | $79,852-51.7% |
| Participation rate | 91.7% | 73.5%+18.2pp | 77.1%+14.6pp | 69.6%+22.0pp |
| Annual return | 13.60% | 19.37%-5.8pp | 91.63%-78.0pp | 31.72%-18.1pp |
| Employer contribution / active EE | $851 | $1,945-56.2% | $2,541-66.5% | $2,471-65.5% |
| Participant deferral / active EE | $2,583 | $3,440-24.9% | $4,167-38.0% | $3,740-30.9% |
| Admin fee / account holder | $446 | $5,622-92.1% | $6,797-93.4% | $5,306-91.6% |