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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 | $29,027 | $72,492-60.0% | $87,104-66.7% | $72,975-60.2% |
| Participation rate | 94.6% | 72.8%+21.8pp | 76.9%+17.7pp | 69.5%+25.1pp |
| Annual return | 16.96% | 24.46%-7.5pp | 28.19%-11.2pp | 81.01%-64.1pp |
| Employer contribution / active EE | $848 | $1,894-55.2% | $2,521-66.4% | $2,440-65.2% |
| Participant deferral / active EE | $2,481 | $3,270-24.1% | $4,048-38.7% | $3,608-31.2% |
| Admin fee / account holder | $5,507 | $5,055+8.9% | $7,491-26.5% | $5,124+7.5% |