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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 | $52,434 | $72,492-27.7% | $87,104-39.8% | $72,975-28.1% |
| Participation rate | 91.8% | 72.8%+19.0pp | 76.9%+15.0pp | 69.5%+22.3pp |
| Annual return | 20.24% | 24.46%-4.2pp | 28.19%-7.9pp | 81.01%-60.8pp |
| Employer contribution / active EE | $916 | $1,894-51.6% | $2,521-63.7% | $2,440-62.5% |
| Participant deferral / active EE | $2,504 | $3,270-23.4% | $4,048-38.1% | $3,608-30.6% |
| Admin fee / account holder | $2,007 | $5,055-60.3% | $7,491-73.2% | $5,124-60.8% |