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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 | $62,316 | $76,371-18.4% | $93,621-33.4% | $72,975-14.6% |
| Participation rate | 92.9% | 71.8%+21.1pp | 75.8%+17.0pp | 69.5%+23.4pp |
| Annual return | 22.39% | 25.82%-3.4pp | 32.76%-10.4pp | 81.01%-58.6pp |
| Employer contribution / active EE | $594 | $2,276-73.9% | $2,719-78.2% | $2,440-75.7% |
| Participant deferral / active EE | $2,867 | $3,538-19.0% | $4,070-29.6% | $3,608-20.5% |
| Admin fee / account holder | $771 | $6,839-88.7% | $7,890-90.2% | $5,124-85.0% |