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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 | $30,232 | $57,119-47.1% | $85,187-64.5% | $80,935-62.6% |
| Participation rate | 96.6% | 56.4%+40.1pp | 67.5%+29.0pp | 67.7%+28.9pp |
| Annual return | 13.78% | 21.70%-7.9pp | 66.67%-52.9pp | 35.66%-21.9pp |
| Employer contribution / active EE | $1,558 | $1,802-13.5% | $2,732-43.0% | $2,757-43.5% |
| Participant deferral / active EE | $3,250 | $3,115+4.3% | $4,525-28.2% | $4,299-24.4% |
| Admin fee / account holder | $1,151 | $4,990-76.9% | $6,162-81.3% | $6,924-83.4% |