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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 | $29,719 | $67,602-56.0% | $82,312-63.9% | $70,126-57.6% |
| Participation rate | 85.2% | 72.8%+12.4pp | 76.9%+8.3pp | 69.5%+15.6pp |
| Annual return | 20.08% | 21.57%-1.5pp | 25.88%-5.8pp | 73.15%-53.1pp |
| Employer contribution / active EE | $389 | $1,755-77.8% | $2,428-84.0% | $2,343-83.4% |
| Participant deferral / active EE | $3,114 | $2,987+4.2% | $3,706-16.0% | $3,332-6.5% |
| Admin fee / account holder | $337 | $4,512-92.5% | $5,608-94.0% | $4,645-92.7% |