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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 | $38,320 | $110,137-65.2% | $161,149-76.2% | $82,637-53.6% |
| Participation rate | 90.9% | 72.4%+18.6pp | 78.8%+12.1pp | 68.1%+22.9pp |
| Annual return | 12.47% | 20.69%-8.2pp | 21.16%-8.7pp | 53.51%-41.0pp |
| Employer contribution / active EE | $1,892 | $2,856-33.8% | $4,360-56.6% | $2,552-25.9% |
| Participant deferral / active EE | $3,220 | $4,575-29.6% | $6,153-47.7% | $4,126-22.0% |
| Admin fee / account holder | $3,995 | $9,467-57.8% | $15,194-73.7% | $7,339-45.6% |