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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 | $38,705 | $106,524-63.7% | $152,301-74.6% | $87,485-55.8% |
| Participation rate | 77.1% | 75.8%+1.3pp | 82.4%-5.4pp | 68.9%+8.2pp |
| Annual return | 17.78% | 26.89%-9.1pp | 80.50%-62.7pp | 26.06%-8.3pp |
| Employer contribution / active EE | $999 | $3,371-70.4% | $4,624-78.4% | $2,596-61.5% |
| Participant deferral / active EE | $6,225 | $6,525-4.6% | $8,004-22.2% | $4,274+45.7% |
| Admin fee / account holder | $1,586 | $8,287-80.9% | $14,398-89.0% | $7,775-79.6% |