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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 | $49,833 | $72,486-31.3% | $87,103-42.8% | $72,976-31.7% |
| Participation rate | 84.2% | 72.8%+11.4pp | 76.9%+7.3pp | 69.5%+14.7pp |
| Annual return | 22.74% | 24.46%-1.7pp | 28.19%-5.5pp | 81.02%-58.3pp |
| Employer contribution / active EE | $748 | $1,894-60.5% | $2,521-70.3% | $2,440-69.3% |
| Participant deferral / active EE | $1,853 | $3,270-43.3% | $4,049-54.2% | $3,608-48.6% |
| Admin fee / account holder | $839 | $5,055-83.4% | $7,491-88.8% | $5,124-83.6% |