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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 | $33,924 | $106,524-68.2% | $152,301-77.7% | $87,485-61.2% |
| Participation rate | 84.6% | 75.8%+8.9pp | 82.4%+2.2pp | 68.9%+15.7pp |
| Annual return | 17.12% | 26.89%-9.8pp | 80.50%-63.4pp | 26.06%-8.9pp |
| Employer contribution / active EE | $1,579 | $3,371-53.2% | $4,624-65.9% | $2,596-39.2% |
| Participant deferral / active EE | $4,658 | $6,525-28.6% | $8,004-41.8% | $4,274+9.0% |
| Admin fee / account holder | $3,211 | $8,287-61.3% | $14,398-77.7% | $7,775-58.7% |