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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 | $32,061 | $72,486-55.8% | $87,103-63.2% | $72,976-56.1% |
| Participation rate | 71.7% | 72.8%-1.1pp | 76.9%-5.1pp | 69.5%+2.2pp |
| Annual return | 27.08% | 24.46%+2.6pp | 28.19%-1.1pp | 81.02%-53.9pp |
| Employer contribution / active EE | $1,104 | $1,894-41.7% | $2,521-56.2% | $2,440-54.7% |
| Participant deferral / active EE | $3,529 | $3,270+7.9% | $4,049-12.8% | $3,608-2.2% |
| Admin fee / account holder | $601 | $5,055-88.1% | $7,491-92.0% | $5,124-88.3% |