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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 | $12,471 | $55,889-77.7% | $76,119-83.6% | $80,935-84.6% |
| Participation rate | 86.1% | 62.1%+24.0pp | 69.1%+17.0pp | 67.7%+18.4pp |
| Annual return | 14.62% | 20.58%-6.0pp | 361.25%-346.6pp | 35.66%-21.0pp |
| Employer contribution / active EE | $796 | $1,866-57.3% | $2,693-70.4% | $2,757-71.1% |
| Participant deferral / active EE | $2,660 | $3,051-12.8% | $4,259-37.5% | $4,299-38.1% |
| Admin fee / account holder | $649 | $5,241-87.6% | $6,421-89.9% | $6,924-90.6% |