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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 | $31,002 | $58,851-47.3% | $115,167-73.1% | $72,976-57.5% |
| Participation rate | 82.6% | 65.5%+17.0pp | 75.9%+6.6pp | 69.5%+13.1pp |
| Annual return | 20.28% | 23.16%-2.9pp | 35.60%-15.3pp | 81.02%-60.7pp |
| Employer contribution / active EE | $651 | $1,798-63.8% | $3,179-79.5% | $2,440-73.3% |
| Participant deferral / active EE | $2,860 | $2,643+8.2% | $4,169-31.4% | $3,608-20.7% |
| Admin fee / account holder | $494 | $6,370-92.2% | $7,089-93.0% | $5,124-90.4% |