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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 | $47,184 | $49,025-3.8% | $87,502-46.1% | $62,881-25.0% |
| Participation rate | 87.2% | 64.9%+22.3pp | 73.8%+13.3pp | 69.3%+17.9pp |
| Annual return | 8.36% | 10.02%-1.7pp | 12.21%-3.9pp | 20.14%-11.8pp |
| Employer contribution / active EE | $936 | $1,372-31.7% | $2,550-63.3% | $2,281-58.9% |
| Participant deferral / active EE | $1,874 | $2,289-18.1% | $3,149-40.5% | $3,203-41.5% |
| Admin fee / account holder | $2,889 | $4,065-28.9% | $4,221-31.6% | $4,296-32.8% |