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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 | $36,857 | $54,757-32.7% | $90,304-59.2% | $72,975-49.5% |
| Participation rate | 76.5% | 65.2%+11.3pp | 73.3%+3.2pp | 69.5%+7.0pp |
| Annual return | 20.68% | 30.63%-10.0pp | 78.13%-57.5pp | 81.01%-60.3pp |
| Employer contribution / active EE | $847 | $2,093-59.5% | $2,855-70.3% | $2,440-65.3% |
| Participant deferral / active EE | $1,775 | $2,887-38.5% | $3,885-54.3% | $3,608-50.8% |
| Admin fee / account holder | $357 | $3,973-91.0% | $5,354-93.3% | $5,124-93.0% |