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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 | $49,978 | $60,349-17.2% | $74,184-32.6% | $62,881-20.5% |
| Participation rate | 92.7% | 72.7%+20.0pp | 76.6%+16.1pp | 69.3%+23.4pp |
| Annual return | 7.29% | 21.38%-14.1pp | 17.74%-10.4pp | 20.14%-12.9pp |
| Employer contribution / active EE | $430 | $1,680-74.4% | $2,370-81.9% | $2,281-81.2% |
| Participant deferral / active EE | $2,954 | $2,856+3.4% | $3,550-16.8% | $3,203-7.8% |
| Admin fee / account holder | $7,995 | $4,261+87.6% | $5,586+43.1% | $4,296+86.1% |