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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 | $43,688 | $57,828-24.5% | $117,039-62.7% | $70,126-37.7% |
| Participation rate | 74.0% | 67.1%+6.9pp | 77.2%-3.2pp | 69.5%+4.5pp |
| Annual return | 18.57% | 17.55%+1.0pp | 18.95%-0.4pp | 73.15%-54.6pp |
| Employer contribution / active EE | $1,220 | $1,816-32.8% | $3,785-67.8% | $2,343-47.9% |
| Participant deferral / active EE | $1,762 | $2,438-27.7% | $3,929-55.2% | $3,332-47.1% |
| Admin fee / account holder | $326 | $3,548-90.8% | $5,974-94.5% | $4,645-93.0% |