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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 | $30,607 | $78,520-61.0% | $96,576-68.3% | $82,448-62.9% |
| Participation rate | 94.6% | 77.7%+16.9pp | 81.4%+13.2pp | 68.1%+26.5pp |
| Annual return | 19.37% | 41.30%-21.9pp | 38.47%-19.1pp | 41.64%-22.3pp |
| Employer contribution / active EE | $780 | $2,630-70.4% | $3,553-78.1% | $2,551-69.4% |
| Participant deferral / active EE | $4,422 | $6,754-34.5% | $7,956-44.4% | $4,139+6.8% |
| Admin fee / account holder | $1,172 | $13,455-91.3% | $11,381-89.7% | $7,234-83.8% |