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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 | $34,727 | $47,848-27.4% | $81,473-57.4% | $70,126-50.5% |
| Participation rate | 83.1% | 58.3%+24.8pp | 68.0%+15.1pp | 69.5%+13.6pp |
| Annual return | 14.89% | 27.25%-12.4pp | 38.78%-23.9pp | 73.15%-58.3pp |
| Employer contribution / active EE | $704 | $1,527-53.9% | $2,568-72.6% | $2,343-70.0% |
| Participant deferral / active EE | $2,962 | $2,453+20.8% | $3,537-16.2% | $3,332-11.1% |
| Admin fee / account holder | $993 | $3,145-68.4% | $4,561-78.2% | $4,645-78.6% |