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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 | $52,320 | $70,486-25.8% | $100,528-48.0% | $79,852-34.5% |
| Participation rate | 94.5% | 73.6%+20.9pp | 79.4%+15.1pp | 69.6%+24.9pp |
| Annual return | 16.93% | 21.90%-5.0pp | 30.90%-14.0pp | 31.72%-14.8pp |
| Employer contribution / active EE | $296 | $2,165-86.3% | $3,419-91.3% | $2,471-88.0% |
| Participant deferral / active EE | $4,600 | $5,182-11.2% | $6,271-26.6% | $3,740+23.0% |
| Admin fee / account holder | $1,436 | $4,480-68.0% | $8,084-82.2% | $5,306-72.9% |