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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 | $28,005 | $76,551-63.4% | $123,894-77.4% | $62,881-55.5% |
| Participation rate | 75.6% | 73.0%+2.6pp | 81.4%-5.8pp | 69.3%+6.3pp |
| Annual return | 14.68% | 18.68%-4.0pp | 47.52%-32.8pp | 20.14%-5.5pp |
| Employer contribution / active EE | $828 | $2,882-71.3% | $4,617-82.1% | $2,281-63.7% |
| Participant deferral / active EE | $2,488 | $4,840-48.6% | $5,984-58.4% | $3,203-22.3% |
| Admin fee / account holder | $648 | $4,826-86.6% | $8,357-92.2% | $4,296-84.9% |