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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 | $42,241 | $76,550-44.8% | $123,894-65.9% | $62,881-32.8% |
| Participation rate | 97.3% | 73.0%+24.4pp | 81.4%+15.9pp | 69.3%+28.0pp |
| Annual return | 7.43% | 18.67%-11.2pp | 47.52%-40.1pp | 20.14%-12.7pp |
| Employer contribution / active EE | $1,258 | $2,882-56.4% | $4,617-72.8% | $2,281-44.9% |
| Participant deferral / active EE | $6,202 | $4,840+28.2% | $5,984+3.6% | $3,203+93.6% |
| Admin fee / account holder | $321 | $4,826-93.4% | $8,357-96.2% | $4,296-92.5% |