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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 | $32,340 | $46,877-31.0% | $122,354-73.6% | $70,126-53.9% |
| Participation rate | 76.5% | 58.2%+18.3pp | 71.6%+4.8pp | 69.5%+6.9pp |
| Annual return | 18.54% | 24.22%-5.7pp | 30.28%-11.7pp | 73.15%-54.6pp |
| Employer contribution / active EE | $825 | $1,288-36.0% | $4,051-79.6% | $2,343-64.8% |
| Participant deferral / active EE | $2,575 | $2,167+18.8% | $3,287-21.7% | $3,332-22.7% |
| Admin fee / account holder | $880 | $3,324-73.5% | $5,479-83.9% | $4,645-81.1% |