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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 | $39,107 | $73,787-47.0% | $98,716-60.4% | $82,448-52.6% |
| Participation rate | 98.4% | 61.4%+37.0pp | 69.3%+29.1pp | 68.1%+30.3pp |
| Annual return | 16.59% | 18.57%-2.0pp | 31.81%-15.2pp | 41.64%-25.0pp |
| Employer contribution / active EE | $663 | $1,511-56.1% | $2,279-70.9% | $2,551-74.0% |
| Participant deferral / active EE | $3,790 | $3,081+23.0% | $4,048-6.4% | $4,139-8.4% |
| Admin fee / account holder | $3,047 | $6,500-53.1% | $8,703-65.0% | $7,234-57.9% |