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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 | $29,882 | $84,953-64.8% | $163,379-81.7% | $82,637-63.8% |
| Participation rate | 72.4% | 65.9%+6.5pp | 76.8%-4.4pp | 68.1%+4.4pp |
| Annual return | 14.87% | 23.07%-8.2pp | 63.41%-48.5pp | 53.51%-38.6pp |
| Employer contribution / active EE | $995 | $2,183-54.4% | $3,752-73.5% | $2,552-61.0% |
| Participant deferral / active EE | $2,337 | $4,326-46.0% | $6,282-62.8% | $4,126-43.4% |
| Admin fee / account holder | $4,697 | $7,921-40.7% | $9,818-52.2% | $7,339-36.0% |