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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 | $39,351 | $80,992-51.4% | $96,534-59.2% | $75,173-47.7% |
| Participation rate | 75.7% | 71.8%+3.9pp | 76.0%-0.3pp | 67.2%+8.5pp |
| Annual return | 15.62% | 27.05%-11.4pp | 25.88%-10.3pp | 160.72%-145.1pp |
| Employer contribution / active EE | $987 | $2,283-56.8% | $2,965-66.7% | $2,671-63.0% |
| Participant deferral / active EE | $1,929 | $3,929-50.9% | $4,851-60.2% | $4,126-53.2% |
| Admin fee / account holder | $4,733 | $6,717-29.5% | $8,253-42.7% | $5,651-16.2% |