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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 | $32,377 | $86,938-62.8% | $102,423-68.4% | $80,925-60.0% |
| Participation rate | 85.9% | 72.4%+13.5pp | 76.5%+9.4pp | 67.7%+18.2pp |
| Annual return | 13.28% | 18.89%-5.6pp | 29.42%-16.1pp | 35.65%-22.4pp |
| Employer contribution / active EE | $1,527 | $2,369-35.5% | $3,023-49.5% | $2,756-44.6% |
| Participant deferral / active EE | $3,465 | $4,120-15.9% | $5,054-31.4% | $4,299-19.4% |
| Admin fee / account holder | $2,867 | $8,053-64.4% | $9,455-69.7% | $6,940-58.7% |