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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 | $57,731 | $95,453-39.5% | $112,040-48.5% | $82,448-30.0% |
| Participation rate | 75.6% | 72.8%+2.8pp | 76.5%-0.9pp | 68.1%+7.5pp |
| Annual return | 14.32% | 23.92%-9.6pp | 24.52%-10.2pp | 41.64%-27.3pp |
| Employer contribution / active EE | $1,257 | $2,318-45.8% | $2,954-57.5% | $2,551-50.7% |
| Participant deferral / active EE | $2,907 | $4,224-31.2% | $5,098-43.0% | $4,139-29.8% |
| Admin fee / account holder | $710 | $9,013-92.1% | $12,098-94.1% | $7,234-90.2% |