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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 | $37,765 | $64,359-41.3% | $90,161-58.1% | $70,126-46.1% |
| Participation rate | 92.5% | 70.4%+22.0pp | 76.9%+15.6pp | 69.5%+22.9pp |
| Annual return | 19.28% | 28.13%-8.9pp | 34.89%-15.6pp | 73.15%-53.9pp |
| Employer contribution / active EE | $726 | $2,046-64.5% | $3,318-78.1% | $2,343-69.0% |
| Participant deferral / active EE | $4,653 | $4,389+6.0% | $5,287-12.0% | $3,332+39.7% |
| Admin fee / account holder | $1,940 | $3,945-50.8% | $5,943-67.4% | $4,645-58.2% |