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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 | $44,375 | $52,580-15.6% | $71,671-38.1% | $70,126-36.7% |
| Participation rate | 92.3% | 60.9%+31.4pp | 68.7%+23.6pp | 69.5%+22.8pp |
| Annual return | 14.89% | 20.25%-5.4pp | 20.65%-5.8pp | 73.15%-58.3pp |
| Employer contribution / active EE | $982 | $1,616-39.2% | $2,460-60.1% | $2,343-58.1% |
| Participant deferral / active EE | $2,934 | $2,386+23.0% | $3,438-14.7% | $3,332-11.9% |
| Admin fee / account holder | $609 | $3,653-83.3% | $5,558-89.0% | $4,645-86.9% |