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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 | $50,817 | $106,864-52.4% | $147,318-65.5% | $82,637-38.5% |
| Participation rate | 81.5% | 75.5%+6.0pp | 82.1%-0.6pp | 68.1%+13.4pp |
| Annual return | 21.38% | 27.49%-6.1pp | 70.43%-49.0pp | 53.51%-32.1pp |
| Employer contribution / active EE | $1,572 | $3,417-54.0% | $4,593-65.8% | $2,552-38.4% |
| Participant deferral / active EE | $8,156 | $6,496+25.6% | $7,906+3.2% | $4,126+97.7% |
| Admin fee / account holder | $383 | $8,415-95.4% | $13,708-97.2% | $7,339-94.8% |