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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 | $44,845 | $72,272-38.0% | $101,264-55.7% | $79,858-43.8% |
| Participation rate | 88.5% | 68.5%+20.0pp | 75.8%+12.7pp | 69.6%+18.8pp |
| Annual return | 13.67% | 22.30%-8.6pp | 46.48%-32.8pp | 31.72%-18.0pp |
| Employer contribution / active EE | $950 | $2,692-64.7% | $3,660-74.0% | $2,471-61.5% |
| Participant deferral / active EE | $2,754 | $3,282-16.1% | $4,370-37.0% | $3,740-26.4% |
| Admin fee / account holder | $6,610 | $4,401+50.2% | $5,947+11.2% | $5,306+24.6% |