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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 | $65,209 | $86,940-25.0% | $102,434-36.3% | $80,935-19.4% |
| Participation rate | 96.3% | 72.4%+23.9pp | 76.5%+19.8pp | 67.7%+28.6pp |
| Annual return | 12.62% | 18.89%-6.3pp | 29.46%-16.8pp | 35.66%-23.0pp |
| Employer contribution / active EE | $925 | $2,370-61.0% | $3,023-69.4% | $2,757-66.4% |
| Participant deferral / active EE | $2,127 | $4,121-48.4% | $5,055-57.9% | $4,299-50.5% |
| Admin fee / account holder | $321 | $8,047-96.0% | $9,462-96.6% | $6,924-95.4% |