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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 | $29,174 | $57,828-49.5% | $117,039-75.1% | $70,126-58.4% |
| Participation rate | 76.9% | 67.1%+9.8pp | 77.2%-0.3pp | 69.5%+7.4pp |
| Annual return | 12.74% | 17.55%-4.8pp | 18.95%-6.2pp | 73.15%-60.4pp |
| Employer contribution / active EE | $651 | $1,816-64.2% | $3,785-82.8% | $2,343-72.2% |
| Participant deferral / active EE | $1,950 | $2,438-20.0% | $3,929-50.4% | $3,332-41.5% |
| Admin fee / account holder | $690 | $3,548-80.6% | $5,974-88.4% | $4,645-85.1% |