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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 | $32,188 | $86,938-63.0% | $102,423-68.6% | $80,925-60.2% |
| Participation rate | 83.5% | 72.4%+11.1pp | 76.5%+7.0pp | 67.7%+15.9pp |
| Annual return | 23.24% | 18.89%+4.4pp | 29.42%-6.2pp | 35.65%-12.4pp |
| Employer contribution / active EE | $2,044 | $2,369-13.7% | $3,023-32.4% | $2,756-25.8% |
| Participant deferral / active EE | $3,381 | $4,120-17.9% | $5,054-33.1% | $4,299-21.3% |
| Admin fee / account holder | $3,797 | $8,053-52.9% | $9,455-59.8% | $6,940-45.3% |