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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 | $74,535-47.5% | $100,712-61.2% | $82,637-52.7% |
| Participation rate | 98.4% | 61.2%+37.2pp | 69.3%+29.1pp | 68.1%+30.3pp |
| Annual return | 16.59% | 18.92%-2.3pp | 33.27%-16.7pp | 53.51%-36.9pp |
| Employer contribution / active EE | $663 | $1,503-55.9% | $2,313-71.3% | $2,552-74.0% |
| Participant deferral / active EE | $3,790 | $3,074+23.3% | $4,085-7.2% | $4,126-8.2% |
| Admin fee / account holder | $3,047 | $6,576-53.7% | $9,256-67.1% | $7,339-58.5% |