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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 | $44,140 | $60,349-26.9% | $74,184-40.5% | $62,881-29.8% |
| Participation rate | 75.8% | 72.7%+3.1pp | 76.6%-0.8pp | 69.3%+6.5pp |
| Annual return | 8.54% | 21.38%-12.8pp | 17.74%-9.2pp | 20.14%-11.6pp |
| Employer contribution / active EE | $403 | $1,680-76.0% | $2,370-83.0% | $2,281-82.3% |
| Participant deferral / active EE | $3,117 | $2,856+9.1% | $3,550-12.2% | $3,203-2.7% |
| Admin fee / account holder | $575 | $4,261-86.5% | $5,586-89.7% | $4,296-86.6% |