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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 | $44,076 | $81,331-45.8% | $155,534-71.7% | $80,935-45.5% |
| Participation rate | 97.2% | 66.3%+31.0pp | 78.2%+19.0pp | 67.7%+29.6pp |
| Annual return | 11.92% | 33.37%-21.4pp | 64.92%-53.0pp | 35.66%-23.7pp |
| Employer contribution / active EE | $1,919 | $3,105-38.2% | $4,675-58.9% | $2,757-30.4% |
| Participant deferral / active EE | $3,412 | $3,454-1.2% | $5,630-39.4% | $4,299-20.7% |
| Admin fee / account holder | $3,383 | $7,999-57.7% | $15,900-78.7% | $6,924-51.1% |