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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 | $44,852 | $67,602-33.7% | $82,312-45.5% | $70,126-36.0% |
| Participation rate | 83.3% | 72.8%+10.6pp | 76.9%+6.4pp | 69.5%+13.8pp |
| Annual return | 28.54% | 21.57%+7.0pp | 25.88%+2.7pp | 73.15%-44.6pp |
| Employer contribution / active EE | $456 | $1,755-74.0% | $2,428-81.2% | $2,343-80.5% |
| Participant deferral / active EE | $2,314 | $2,987-22.6% | $3,706-37.6% | $3,332-30.6% |
| Admin fee / account holder | $2,144 | $4,512-52.5% | $5,608-61.8% | $4,645-53.8% |