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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 | $45,345 | $77,472-41.5% | $100,415-54.8% | $80,959-44.0% |
| Participation rate | 80.9% | 76.9%+3.9pp | 81.5%-0.7pp | 67.7%+13.2pp |
| Annual return | 12.49% | 37.26%-24.8pp | 49.47%-37.0pp | 35.67%-23.2pp |
| Employer contribution / active EE | $606 | $2,800-78.3% | $3,943-84.6% | $2,757-78.0% |
| Participant deferral / active EE | $5,219 | $6,818-23.4% | $8,091-35.5% | $4,300+21.4% |
| Admin fee / account holder | $608 | $5,885-89.7% | $7,906-92.3% | $6,925-91.2% |