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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 | $51,149 | $87,225-41.4% | $158,226-67.7% | $94,015-45.6% |
| Participation rate | 86.7% | 67.9%+18.7pp | 74.8%+11.8pp | 70.8%+15.8pp |
| Annual return | 12.69% | 16.34%-3.6pp | 501.41%-488.7pp | 17.84%-5.2pp |
| Employer contribution / active EE | $500 | $2,217-77.4% | $2,986-83.2% | $2,790-82.1% |
| Participant deferral / active EE | $4,345 | $3,405+27.6% | $4,317+0.6% | $4,249+2.2% |
| Admin fee / account holder | $2,530 | $7,888-67.9% | $10,217-75.2% | $8,951-71.7% |