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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 | $39,199 | $73,787-46.9% | $98,716-60.3% | $82,448-52.5% |
| Participation rate | 78.6% | 61.4%+17.2pp | 69.3%+9.3pp | 68.1%+10.5pp |
| Annual return | 17.50% | 18.57%-1.1pp | 31.81%-14.3pp | 41.64%-24.1pp |
| Employer contribution / active EE | $698 | $1,511-53.8% | $2,279-69.4% | $2,551-72.6% |
| Participant deferral / active EE | $3,112 | $3,081+1.0% | $4,048-23.1% | $4,139-24.8% |
| Admin fee / account holder | $1,849 | $6,500-71.6% | $8,703-78.8% | $7,234-74.4% |