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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 | $54,215 | $72,492-25.2% | $87,102-37.8% | $72,983-25.7% |
| Participation rate | 82.6% | 72.8%+9.8pp | 76.9%+5.7pp | 69.5%+13.1pp |
| Annual return | 19.95% | 24.46%-4.5pp | 28.19%-8.2pp | 81.01%-61.1pp |
| Employer contribution / active EE | $572 | $1,894-69.8% | $2,521-77.3% | $2,440-76.6% |
| Participant deferral / active EE | $2,660 | $3,270-18.7% | $4,048-34.3% | $3,608-26.3% |
| Admin fee / account holder | $3,680 | $5,055-27.2% | $7,491-50.9% | $5,124-28.2% |