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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 | $37,400 | $58,851-36.4% | $115,167-67.5% | $72,976-48.8% |
| Participation rate | 87.1% | 65.5%+21.6pp | 75.9%+11.2pp | 69.5%+17.7pp |
| Annual return | 21.37% | 23.16%-1.8pp | 35.60%-14.2pp | 81.02%-59.6pp |
| Employer contribution / active EE | $870 | $1,798-51.6% | $3,179-72.6% | $2,440-64.4% |
| Participant deferral / active EE | $1,446 | $2,643-45.3% | $4,169-65.3% | $3,608-59.9% |
| Admin fee / account holder | $9,420 | $6,370+47.9% | $7,089+32.9% | $5,124+83.8% |