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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 | $54,745 | $75,720-27.7% | $90,312-39.4% | $86,983-37.1% |
| Participation rate | 74.5% | 66.3%+8.3pp | 72.9%+1.6pp | 69.5%+5.0pp |
| Annual return | 13.02% | 18.55%-5.5pp | 18.90%-5.9pp | 25.83%-12.8pp |
| Employer contribution / active EE | $771 | $1,945-60.4% | $2,243-65.6% | $2,584-70.2% |
| Participant deferral / active EE | $1,321 | $3,001-56.0% | $3,749-64.8% | $4,194-68.5% |
| Admin fee / account holder | $1,187 | $6,201-80.8% | $8,248-85.6% | $7,856-84.9% |