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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 | $39,418 | $87,180-54.8% | $173,703-77.3% | $94,015-58.1% |
| Participation rate | 87.8% | 65.6%+22.2pp | 75.9%+11.9pp | 70.8%+17.0pp |
| Annual return | 9.39% | 14.17%-4.8pp | 17.46%-8.1pp | 17.84%-8.4pp |
| Employer contribution / active EE | $2,631 | $2,494+5.5% | $4,288-38.6% | $2,790-5.7% |
| Participant deferral / active EE | $3,106 | $3,343-7.1% | $4,854-36.0% | $4,249-26.9% |
| Admin fee / account holder | $1,058 | $7,506-85.9% | $15,562-93.2% | $8,951-88.2% |