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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 | $30,651 | $69,444-55.9% | $92,985-67.0% | $87,485-65.0% |
| Participation rate | 89.8% | 63.3%+26.5pp | 69.5%+20.3pp | 68.9%+20.9pp |
| Annual return | 14.31% | 23.85%-9.5pp | 27.99%-13.7pp | 26.06%-11.8pp |
| Employer contribution / active EE | $1,599 | $1,917-16.6% | $2,662-39.9% | $2,596-38.4% |
| Participant deferral / active EE | $2,717 | $3,364-19.2% | $4,377-37.9% | $4,274-36.4% |
| Admin fee / account holder | $7,497 | $6,137+22.2% | $9,463-20.8% | $7,775-3.6% |