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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 | $36,743 | $54,380-32.4% | $68,509-46.4% | $59,633-38.4% |
| Participation rate | 78.9% | 70.2%+8.7pp | 74.7%+4.1pp | 68.7%+10.2pp |
| Annual return | 12.68% | 2.83%+9.8pp | 8.27%+4.4pp | 2041.40%-2028.7pp |
| Employer contribution / active EE | $1,305 | $1,539-15.2% | $2,278-42.7% | $2,203-40.8% |
| Participant deferral / active EE | $1,712 | $2,643-35.2% | $3,382-49.4% | $3,192-46.4% |
| Admin fee / account holder | $3,184 | $3,885-18.1% | $5,275-39.6% | $4,297-25.9% |