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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 | $48,729 | $59,839-18.6% | $81,988-40.6% | $79,858-39.0% |
| Participation rate | 94.4% | 61.6%+32.8pp | 69.3%+25.2pp | 69.6%+24.8pp |
| Annual return | 11.56% | 17.56%-6.0pp | 41.31%-29.8pp | 31.72%-20.2pp |
| Employer contribution / active EE | $438 | $1,713-74.5% | $2,498-82.5% | $2,471-82.3% |
| Participant deferral / active EE | $4,626 | $2,695+71.6% | $3,722+24.3% | $3,740+23.7% |
| Admin fee / account holder | $1,363 | $4,287-68.2% | $5,665-75.9% | $5,306-74.3% |