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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 | $38,305 | $67,602-43.3% | $82,312-53.5% | $70,126-45.4% |
| Participation rate | 71.1% | 72.8%-1.7pp | 76.9%-5.8pp | 69.5%+1.5pp |
| Annual return | 20.54% | 21.57%-1.0pp | 25.88%-5.3pp | 73.15%-52.6pp |
| Employer contribution / active EE | $491 | $1,755-72.0% | $2,428-79.8% | $2,343-79.0% |
| Participant deferral / active EE | $2,158 | $2,987-27.8% | $3,706-41.8% | $3,332-35.2% |
| Admin fee / account holder | $498 | $4,512-89.0% | $5,608-91.1% | $4,645-89.3% |