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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 | $48,468 | $67,602-28.3% | $82,312-41.1% | $70,126-30.9% |
| Participation rate | 70.0% | 72.8%-2.8pp | 76.9%-6.9pp | 69.5%+0.5pp |
| Annual return | 25.02% | 21.57%+3.5pp | 25.88%-0.9pp | 73.15%-48.1pp |
| Employer contribution / active EE | $727 | $1,755-58.6% | $2,428-70.1% | $2,343-69.0% |
| Participant deferral / active EE | $1,679 | $2,987-43.8% | $3,706-54.7% | $3,332-49.6% |
| Admin fee / account holder | $1,727 | $4,512-61.7% | $5,608-69.2% | $4,645-62.8% |