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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 | $25,791 | $56,544-54.4% | $75,501-65.8% | $70,126-63.2% |
| Participation rate | 94.1% | 68.1%+26.0pp | 72.4%+21.8pp | 69.5%+24.6pp |
| Annual return | 14.73% | 23.59%-8.9pp | 27.35%-12.6pp | 73.15%-58.4pp |
| Employer contribution / active EE | $474 | $1,817-73.9% | $2,352-79.9% | $2,343-79.8% |
| Participant deferral / active EE | $1,717 | $2,580-33.4% | $3,142-45.4% | $3,332-48.5% |
| Admin fee / account holder | $4,138 | $3,827+8.1% | $5,801-28.7% | $4,645-10.9% |