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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 | $34,034 | $110,137-69.1% | $161,149-78.9% | $82,637-58.8% |
| Participation rate | 88.9% | 72.4%+16.5pp | 78.8%+10.1pp | 68.1%+20.8pp |
| Annual return | 12.69% | 20.69%-8.0pp | 21.16%-8.5pp | 53.51%-40.8pp |
| Employer contribution / active EE | $2,395 | $2,856-16.1% | $4,360-45.1% | $2,552-6.1% |
| Participant deferral / active EE | $5,760 | $4,575+25.9% | $6,153-6.4% | $4,126+39.6% |
| Admin fee / account holder | $5,054 | $9,467-46.6% | $15,194-66.7% | $7,339-31.1% |