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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 | $49,289 | $56,544-12.8% | $75,501-34.7% | $70,126-29.7% |
| Participation rate | 81.7% | 68.1%+13.6pp | 72.4%+9.3pp | 69.5%+12.1pp |
| Annual return | 16.22% | 23.59%-7.4pp | 27.35%-11.1pp | 73.15%-56.9pp |
| Employer contribution / active EE | $805 | $1,817-55.7% | $2,352-65.8% | $2,343-65.6% |
| Participant deferral / active EE | $3,926 | $2,580+52.2% | $3,142+24.9% | $3,332+17.8% |
| Admin fee / account holder | $3,148 | $3,827-17.7% | $5,801-45.7% | $4,645-32.2% |