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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 | $59,715 | $114,712-47.9% | $173,730-65.6% | $87,485-31.7% |
| Participation rate | 78.1% | 73.0%+5.1pp | 79.6%-1.4pp | 68.9%+9.2pp |
| Annual return | 15.60% | 20.18%-4.6pp | 19.96%-4.4pp | 26.06%-10.5pp |
| Employer contribution / active EE | $857 | $2,904-70.5% | $4,577-81.3% | $2,596-67.0% |
| Participant deferral / active EE | $3,062 | $4,642-34.0% | $6,326-51.6% | $4,274-28.3% |
| Admin fee / account holder | $921 | $10,210-91.0% | $17,523-94.7% | $7,775-88.2% |