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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 | $30,670 | $62,583-51.0% | $76,767-60.0% | $64,173-52.2% |
| Participation rate | 98.7% | 72.8%+25.9pp | 77.0%+21.8pp | 69.6%+29.1pp |
| Annual return | 11.48% | -1.95%+13.4pp | 2.43%+9.0pp | 7.63%+3.8pp |
| Employer contribution / active EE | $1,282 | $1,832-30.0% | $2,485-48.4% | $2,381-46.2% |
| Participant deferral / active EE | $2,081 | $3,145-33.8% | $3,852-46.0% | $3,470-40.0% |
| Admin fee / account holder | $601 | $4,667-87.1% | $6,675-91.0% | $4,887-87.7% |