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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 | $12,255 | $49,976-75.5% | $66,674-81.6% | $82,637-85.2% |
| Participation rate | 94.1% | 63.1%+31.0pp | 73.7%+20.4pp | 68.1%+26.1pp |
| Annual return | 17.16% | 39.09%-21.9pp | 321.24%-304.1pp | 53.51%-36.3pp |
| Employer contribution / active EE | $771 | $1,988-61.2% | $2,620-70.6% | $2,552-69.8% |
| Participant deferral / active EE | $3,133 | $2,847+10.1% | $4,084-23.3% | $4,126-24.1% |
| Admin fee / account holder | $1,132 | $4,594-75.3% | $5,098-77.8% | $7,339-84.6% |