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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 | $61,479 | $73,787-16.7% | $98,716-37.7% | $82,448-25.4% |
| Participation rate | 86.4% | 61.4%+25.0pp | 69.3%+17.1pp | 68.1%+18.3pp |
| Annual return | 15.18% | 18.57%-3.4pp | 31.81%-16.6pp | 41.64%-26.5pp |
| Employer contribution / active EE | $446 | $1,511-70.5% | $2,279-80.4% | $2,551-82.5% |
| Participant deferral / active EE | $3,898 | $3,081+26.5% | $4,048-3.7% | $4,139-5.8% |
| Admin fee / account holder | $3,015 | $6,500-53.6% | $8,703-65.4% | $7,234-58.3% |