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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 | $27,542 | $57,590-52.2% | $86,233-68.1% | $82,448-66.6% |
| Participation rate | 76.3% | 57.9%+18.5pp | 69.0%+7.3pp | 68.1%+8.2pp |
| Annual return | 14.31% | 22.41%-8.1pp | 61.39%-47.1pp | 41.64%-27.3pp |
| Employer contribution / active EE | $915 | $1,655-44.7% | $2,504-63.5% | $2,551-64.1% |
| Participant deferral / active EE | $4,156 | $3,080+34.9% | $4,559-8.8% | $4,139+0.4% |
| Admin fee / account holder | $3,364 | $4,730-28.9% | $8,342-59.7% | $7,234-53.5% |