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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 | $45,021 | $65,712-31.5% | $57,196-21.3% | $273,972-83.6% |
| Participation rate | 83.3% | 78.3%+5.0pp | 75.3%+8.0pp | 83.0%+0.3pp |
| Annual return | 3.11% | 22.01%-18.9pp | 14.59%-11.5pp | 41.46%-38.3pp |
| Employer contribution / active EE | $1,013 | $3,280-69.1% | $2,683-62.3% | $4,869-79.2% |
| Participant deferral / active EE | $3,650 | $3,782-3.5% | $3,096+17.9% | $5,287-31.0% |
| Admin fee / account holder | $1,167 | $4,838-75.9% | $3,141-62.9% | $10,133-88.5% |