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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 | $35,617 | $72,272-50.7% | $101,264-64.8% | $79,858-55.4% |
| Participation rate | 77.1% | 68.5%+8.7pp | 75.8%+1.3pp | 69.6%+7.5pp |
| Annual return | 12.65% | 22.30%-9.6pp | 46.48%-33.8pp | 31.72%-19.1pp |
| Employer contribution / active EE | $993 | $2,692-63.1% | $3,660-72.9% | $2,471-59.8% |
| Participant deferral / active EE | $2,209 | $3,282-32.7% | $4,370-49.5% | $3,740-40.9% |
| Admin fee / account holder | $379 | $4,401-91.4% | $5,947-93.6% | $5,306-92.9% |