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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 | $39,224 | $54,541-28.1% | $78,778-50.2% | $70,126-44.1% |
| Participation rate | 78.1% | 60.8%+17.3pp | 69.2%+8.9pp | 69.5%+8.6pp |
| Annual return | 17.77% | 21.07%-3.3pp | 35.62%-17.8pp | 73.15%-55.4pp |
| Employer contribution / active EE | $320 | $1,089-70.6% | $1,986-83.9% | $2,343-86.3% |
| Participant deferral / active EE | $2,084 | $2,210-5.7% | $2,958-29.6% | $3,332-37.5% |
| Admin fee / account holder | $768 | $3,709-79.3% | $5,134-85.0% | $4,645-83.5% |