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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 | $34,118 | $86,938-60.8% | $102,423-66.7% | $80,925-57.8% |
| Participation rate | 92.1% | 72.4%+19.7pp | 76.5%+15.6pp | 67.7%+24.4pp |
| Annual return | 11.31% | 18.89%-7.6pp | 29.42%-18.1pp | 35.65%-24.3pp |
| Employer contribution / active EE | $3,540 | $2,369+49.4% | $3,023+17.1% | $2,756+28.4% |
| Participant deferral / active EE | $3,219 | $4,120-21.9% | $5,054-36.3% | $4,299-25.1% |
| Admin fee / account holder | $1,570 | $8,053-80.5% | $9,455-83.4% | $6,940-77.4% |