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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 | $35,190 | $58,493-39.8% | $84,021-58.1% | $72,975-51.8% |
| Participation rate | 83.9% | 61.2%+22.6pp | 69.0%+14.9pp | 69.5%+14.4pp |
| Annual return | 21.05% | 28.93%-7.9pp | 71.32%-50.3pp | 81.01%-60.0pp |
| Employer contribution / active EE | $919 | $1,163-21.0% | $1,984-53.7% | $2,440-62.4% |
| Participant deferral / active EE | $1,294 | $2,394-45.9% | $3,239-60.0% | $3,608-64.1% |
| Admin fee / account holder | $399 | $4,569-91.3% | $6,102-93.5% | $5,124-92.2% |