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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 | $27,373 | $80,983-66.2% | $96,544-71.6% | $75,177-63.6% |
| Participation rate | 86.5% | 71.8%+14.7pp | 76.0%+10.6pp | 67.2%+19.3pp |
| Annual return | 15.17% | 27.05%-11.9pp | 25.88%-10.7pp | 160.75%-145.6pp |
| Employer contribution / active EE | $697 | $2,282-69.5% | $2,966-76.5% | $2,671-73.9% |
| Participant deferral / active EE | $4,199 | $3,929+6.9% | $4,851-13.5% | $4,126+1.8% |
| Admin fee / account holder | $4,581 | $6,717-31.8% | $8,254-44.5% | $5,651-18.9% |