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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 | $53,644 | $74,535-28.0% | $100,712-46.7% | $82,637-35.1% |
| Participation rate | 94.0% | 61.2%+32.9pp | 69.3%+24.8pp | 68.1%+26.0pp |
| Annual return | 12.96% | 18.92%-6.0pp | 33.27%-20.3pp | 53.51%-40.5pp |
| Employer contribution / active EE | $606 | $1,503-59.7% | $2,313-73.8% | $2,552-76.3% |
| Participant deferral / active EE | $5,477 | $3,074+78.2% | $4,085+34.1% | $4,126+32.7% |
| Admin fee / account holder | $4,928 | $6,576-25.1% | $9,256-46.8% | $7,339-32.8% |