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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 | $43,015 | $71,197-39.6% | $93,669-54.1% | $80,925-46.8% |
| Participation rate | 83.2% | 60.4%+22.8pp | 68.7%+14.4pp | 67.7%+15.5pp |
| Annual return | 12.52% | 11.27%+1.3pp | 133.59%-121.1pp | 35.65%-23.1pp |
| Employer contribution / active EE | $421 | $1,565-73.1% | $2,424-82.6% | $2,756-84.7% |
| Participant deferral / active EE | $3,510 | $4,036-13.0% | $4,416-20.5% | $4,299-18.3% |
| Admin fee / account holder | $8,947 | $6,959+28.6% | $8,291+7.9% | $6,940+28.9% |