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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 | $42,252 | $53,774-21.4% | $134,162-68.5% | $79,856-47.1% |
| Participation rate | 89.8% | 58.8%+31.0pp | 72.2%+17.6pp | 69.6%+20.2pp |
| Annual return | 10.95% | 19.01%-8.1pp | 36.35%-25.4pp | 31.71%-20.8pp |
| Employer contribution / active EE | $811 | $1,322-38.6% | $3,705-78.1% | $2,471-67.2% |
| Participant deferral / active EE | $3,064 | $2,420+26.6% | $3,500-12.5% | $3,741-18.1% |
| Admin fee / account holder | $3,229 | $3,985-19.0% | $6,685-51.7% | $5,306-39.1% |