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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 | $30,673 | $71,208-56.9% | $93,681-67.3% | $80,911-62.1% |
| Participation rate | 75.4% | 60.4%+15.0pp | 68.7%+6.7pp | 67.6%+7.8pp |
| Annual return | 12.22% | 11.27%+1.0pp | 133.47%-121.2pp | 35.63%-23.4pp |
| Employer contribution / active EE | $929 | $1,564-40.6% | $2,422-61.6% | $2,756-66.3% |
| Participant deferral / active EE | $4,958 | $4,035+22.9% | $4,415+12.3% | $4,297+15.4% |
| Admin fee / account holder | $617 | $6,951-91.1% | $8,290-92.6% | $6,935-91.1% |