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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 | $39,814 | $70,486-43.5% | $100,535-60.4% | $79,856-50.1% |
| Participation rate | 82.4% | 73.6%+8.7pp | 79.4%+2.9pp | 69.6%+12.7pp |
| Annual return | 13.54% | 21.90%-8.4pp | 30.90%-17.4pp | 31.71%-18.2pp |
| Employer contribution / active EE | $412 | $2,165-81.0% | $3,419-87.9% | $2,471-83.3% |
| Participant deferral / active EE | $3,088 | $5,182-40.4% | $6,271-50.8% | $3,741-17.5% |
| Admin fee / account holder | $5,185 | $4,480+15.7% | $8,085-35.9% | $5,306-2.3% |