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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 | $33,561 | $64,359-47.9% | $90,161-62.8% | $70,126-52.1% |
| Participation rate | 98.1% | 70.4%+27.6pp | 76.9%+21.2pp | 69.5%+28.5pp |
| Annual return | 17.31% | 28.13%-10.8pp | 34.89%-17.6pp | 73.15%-55.8pp |
| Employer contribution / active EE | $411 | $2,046-79.9% | $3,318-87.6% | $2,343-82.4% |
| Participant deferral / active EE | $6,476 | $4,389+47.5% | $5,287+22.5% | $3,332+94.4% |
| Admin fee / account holder | $595 | $3,945-84.9% | $5,943-90.0% | $4,645-87.2% |