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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 | $39,428 | $58,828-33.0% | $78,002-49.5% | $62,881-37.3% |
| Participation rate | 82.6% | 71.1%+11.5pp | 75.5%+7.1pp | 69.3%+13.3pp |
| Annual return | 5.70% | 17.16%-11.5pp | 425.99%-420.3pp | 20.14%-14.4pp |
| Employer contribution / active EE | $447 | $1,672-73.2% | $2,470-81.9% | $2,281-80.4% |
| Participant deferral / active EE | $3,417 | $2,686+27.2% | $3,497-2.3% | $3,203+6.7% |
| Admin fee / account holder | $2,019 | $4,393-54.0% | $5,481-63.2% | $4,296-53.0% |