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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 | $53,544 | $72,027-25.7% | $185,861-71.2% | $79,856-32.9% |
| Participation rate | 96.8% | 65.8%+31.0pp | 78.0%+18.7pp | 69.6%+27.1pp |
| Annual return | 14.89% | 23.13%-8.2pp | 35.96%-21.1pp | 31.71%-16.8pp |
| Employer contribution / active EE | $399 | $1,965-79.7% | $4,088-90.2% | $2,471-83.9% |
| Participant deferral / active EE | $7,278 | $3,780+92.6% | $5,634+29.2% | $3,741+94.6% |
| Admin fee / account holder | $2,049 | $4,513-54.6% | $9,503-78.4% | $5,306-61.4% |