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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 | $36,484 | $76,551-52.3% | $123,894-70.6% | $62,881-42.0% |
| Participation rate | 94.7% | 73.0%+21.8pp | 81.4%+13.3pp | 69.3%+25.4pp |
| Annual return | 8.71% | 18.68%-10.0pp | 47.52%-38.8pp | 20.14%-11.4pp |
| Employer contribution / active EE | $554 | $2,882-80.8% | $4,617-88.0% | $2,281-75.7% |
| Participant deferral / active EE | $3,546 | $4,840-26.7% | $5,984-40.7% | $3,203+10.7% |
| Admin fee / account holder | $3,578 | $4,826-25.9% | $8,357-57.2% | $4,296-16.7% |