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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 | $39,156 | $54,541-28.2% | $78,778-50.3% | $70,126-44.2% |
| Participation rate | 76.1% | 60.8%+15.3pp | 69.2%+6.9pp | 69.5%+6.5pp |
| Annual return | 23.25% | 21.07%+2.2pp | 35.62%-12.4pp | 73.15%-49.9pp |
| Employer contribution / active EE | $378 | $1,089-65.3% | $1,986-81.0% | $2,343-83.9% |
| Participant deferral / active EE | $2,427 | $2,210+9.8% | $2,958-18.0% | $3,332-27.2% |
| Admin fee / account holder | $759 | $3,709-79.5% | $5,134-85.2% | $4,645-83.7% |