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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 | $38,629 | $72,486-46.7% | $87,103-55.7% | $72,976-47.1% |
| Participation rate | 97.1% | 72.8%+24.3pp | 76.9%+20.3pp | 69.5%+27.7pp |
| Annual return | 19.52% | 24.46%-4.9pp | 28.19%-8.7pp | 81.02%-61.5pp |
| Employer contribution / active EE | $1,727 | $1,894-8.8% | $2,521-31.5% | $2,440-29.2% |
| Participant deferral / active EE | $2,868 | $3,270-12.3% | $4,049-29.2% | $3,608-20.5% |
| Admin fee / account holder | $3,159 | $5,055-37.5% | $7,491-57.8% | $5,124-38.3% |