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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 | $18,986 | $49,025-61.3% | $87,502-78.3% | $62,881-69.8% |
| Participation rate | 81.1% | 64.9%+16.2pp | 73.8%+7.2pp | 69.3%+11.8pp |
| Annual return | 5.03% | 10.02%-5.0pp | 12.21%-7.2pp | 20.14%-15.1pp |
| Employer contribution / active EE | $991 | $1,372-27.8% | $2,550-61.1% | $2,281-56.6% |
| Participant deferral / active EE | $1,870 | $2,289-18.3% | $3,149-40.6% | $3,203-41.6% |
| Admin fee / account holder | $678 | $4,065-83.3% | $4,221-83.9% | $4,296-84.2% |