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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 | $39,016 | $116,190-66.4% | $93,614-58.3% | $152,885-74.5% |
| Participation rate | 70.6% | 78.0%-7.5pp | 75.8%-5.2pp | 82.5%-11.9pp |
| Annual return | 14.82% | 35.96%-21.1pp | 32.76%-17.9pp | 345.39%-330.6pp |
| Employer contribution / active EE | $618 | $3,219-80.8% | $2,718-77.3% | $4,763-87.0% |
| Participant deferral / active EE | $4,192 | $4,604-8.9% | $4,069+3.0% | $5,851-28.4% |
| Admin fee / account holder | $1,801 | $10,749-83.2% | $7,889-77.2% | $11,598-84.5% |