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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 | $52,917 | $81,446-35.0% | $103,374-48.8% | $80,874-34.6% |
| Participation rate | 71.7% | 66.9%+4.9pp | 74.5%-2.8pp | 67.6%+4.1pp |
| Annual return | 16.45% | 25.57%-9.1pp | 24.89%-8.4pp | 35.62%-19.2pp |
| Employer contribution / active EE | $1,027 | $3,107-67.0% | $3,869-73.5% | $2,756-62.7% |
| Participant deferral / active EE | $3,277 | $3,870-15.3% | $5,058-35.2% | $4,297-23.7% |
| Admin fee / account holder | $1,110 | $6,715-83.5% | $8,394-86.8% | $6,935-84.0% |