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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 | $74,535-29.2% | $100,712-47.6% | $82,637-36.1% |
| Participation rate | 84.9% | 61.2%+23.7pp | 69.3%+15.6pp | 68.1%+16.8pp |
| Annual return | 16.84% | 18.92%-2.1pp | 33.27%-16.4pp | 53.51%-36.7pp |
| Employer contribution / active EE | $567 | $1,503-62.3% | $2,313-75.5% | $2,552-77.8% |
| Participant deferral / active EE | $4,152 | $3,074+35.1% | $4,085+1.6% | $4,126+0.6% |
| Admin fee / account holder | $4,601 | $6,576-30.0% | $9,256-50.3% | $7,339-37.3% |