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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 | $43,297 | $63,314-31.6% | $91,004-52.4% | $62,293-30.5% |
| Participation rate | 88.1% | 73.3%+14.8pp | 75.6%+12.5pp | 69.5%+18.6pp |
| Annual return | 19.09% | 21.00%-1.9pp | 4.60%+14.5pp | 28.90%-9.8pp |
| Employer contribution / active EE | $986 | $1,807-45.4% | $2,456-59.8% | $2,042-51.7% |
| Participant deferral / active EE | $3,361 | $2,944+14.2% | $3,548-5.3% | $3,169+6.0% |
| Admin fee / account holder | $947 | $468+102.6% | $5,417-82.5% | $479+97.7% |