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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 | $40,871 | $86,949-53.0% | $102,460-60.1% | $80,959-49.5% |
| Participation rate | 91.5% | 72.4%+19.1pp | 76.5%+15.0pp | 67.7%+23.8pp |
| Annual return | 12.72% | 18.89%-6.2pp | 29.47%-16.7pp | 35.67%-22.9pp |
| Employer contribution / active EE | $781 | $2,370-67.1% | $3,025-74.2% | $2,757-71.7% |
| Participant deferral / active EE | $4,310 | $4,121+4.6% | $5,056-14.8% | $4,300+0.2% |
| Admin fee / account holder | $5,867 | $8,048-27.1% | $9,460-38.0% | $6,925-15.3% |