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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 | $42,368 | $67,602-37.3% | $82,312-48.5% | $70,126-39.6% |
| Participation rate | 75.5% | 72.8%+2.7pp | 76.9%-1.4pp | 69.5%+6.0pp |
| Annual return | 18.40% | 21.57%-3.2pp | 25.88%-7.5pp | 73.15%-54.7pp |
| Employer contribution / active EE | $1,113 | $1,755-36.6% | $2,428-54.2% | $2,343-52.5% |
| Participant deferral / active EE | $2,253 | $2,987-24.6% | $3,706-39.2% | $3,332-32.4% |
| Admin fee / account holder | $645 | $4,512-85.7% | $5,608-88.5% | $4,645-86.1% |