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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 | $36,908 | $72,471-49.1% | $94,215-60.8% | $86,983-57.6% |
| Participation rate | 89.1% | 63.9%+25.2pp | 70.0%+19.1pp | 69.5%+19.5pp |
| Annual return | 15.54% | 26.44%-10.9pp | 28.22%-12.7pp | 25.83%-10.3pp |
| Employer contribution / active EE | $847 | $1,936-56.2% | $2,675-68.3% | $2,584-67.2% |
| Participant deferral / active EE | $2,809 | $3,397-17.3% | $4,276-34.3% | $4,194-33.0% |
| Admin fee / account holder | $1,125 | $6,468-82.6% | $10,216-89.0% | $7,856-85.7% |