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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 | $53,655 | $67,602-20.6% | $82,312-34.8% | $70,126-23.5% |
| Participation rate | 88.5% | 72.8%+15.8pp | 76.9%+11.6pp | 69.5%+19.0pp |
| Annual return | 20.26% | 21.57%-1.3pp | 25.88%-5.6pp | 73.15%-52.9pp |
| Employer contribution / active EE | $858 | $1,755-51.1% | $2,428-64.7% | $2,343-63.4% |
| Participant deferral / active EE | $2,348 | $2,987-21.4% | $3,706-36.7% | $3,332-29.5% |
| Admin fee / account holder | $313 | $4,512-93.1% | $5,608-94.4% | $4,645-93.3% |