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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 | $52,027 | $76,371-31.9% | $93,621-44.4% | $72,976-28.7% |
| Participation rate | 89.3% | 71.8%+17.5pp | 75.8%+13.5pp | 69.5%+19.8pp |
| Annual return | 20.12% | 25.82%-5.7pp | 32.76%-12.6pp | 81.02%-60.9pp |
| Employer contribution / active EE | $854 | $2,276-62.5% | $2,719-68.6% | $2,440-65.0% |
| Participant deferral / active EE | $1,744 | $3,538-50.7% | $4,070-57.1% | $3,608-51.7% |
| Admin fee / account holder | $7,604 | $6,839+11.2% | $7,890-3.6% | $5,124+48.4% |