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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 | $32,789 | $55,713-41.1% | $75,894-56.8% | $72,983-55.1% |
| Participation rate | 70.6% | 61.1%+9.5pp | 69.3%+1.3pp | 69.5%+1.1pp |
| Annual return | 22.11% | 27.60%-5.5pp | 30.76%-8.6pp | 81.01%-58.9pp |
| Employer contribution / active EE | $669 | $1,687-60.4% | $2,501-73.3% | $2,440-72.6% |
| Participant deferral / active EE | $2,875 | $2,634+9.2% | $3,603-20.2% | $3,608-20.3% |
| Admin fee / account holder | $4,683 | $3,980+17.7% | $5,420-13.6% | $5,124-8.6% |