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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 | $53,433 | $77,896-31.4% | $134,172-60.2% | $82,448-35.2% |
| Participation rate | 72.7% | 62.8%+9.9pp | 72.5%+0.3pp | 68.1%+4.7pp |
| Annual return | 12.66% | 18.21%-5.6pp | 25.30%-12.6pp | 41.64%-29.0pp |
| Employer contribution / active EE | $1,722 | $2,159-20.3% | $3,420-49.7% | $2,551-32.5% |
| Participant deferral / active EE | $3,692 | $3,162+16.8% | $4,690-21.3% | $4,139-10.8% |
| Admin fee / account holder | $1,226 | $6,336-80.7% | $12,016-89.8% | $7,234-83.1% |