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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 | $47,279 | $58,493-19.2% | $84,023-43.7% | $72,976-35.2% |
| Participation rate | 71.1% | 61.2%+9.8pp | 69.0%+2.0pp | 69.5%+1.6pp |
| Annual return | 20.13% | 28.93%-8.8pp | 71.32%-51.2pp | 81.02%-60.9pp |
| Employer contribution / active EE | $975 | $1,163-16.1% | $1,984-50.8% | $2,440-60.0% |
| Participant deferral / active EE | $1,109 | $2,394-53.7% | $3,239-65.8% | $3,608-69.3% |
| Admin fee / account holder | $496 | $4,569-89.1% | $6,102-91.9% | $5,124-90.3% |