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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 | $52,766 | $73,787-28.5% | $98,716-46.5% | $82,448-36.0% |
| Participation rate | 84.9% | 61.4%+23.5pp | 69.3%+15.6pp | 68.1%+16.8pp |
| Annual return | 16.84% | 18.57%-1.7pp | 31.81%-15.0pp | 41.64%-24.8pp |
| Employer contribution / active EE | $567 | $1,511-62.5% | $2,279-75.1% | $2,551-77.8% |
| Participant deferral / active EE | $4,152 | $3,081+34.7% | $4,048+2.6% | $4,139+0.3% |
| Admin fee / account holder | $4,601 | $6,500-29.2% | $8,703-47.1% | $7,234-36.4% |