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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 | $34,943 | $86,949-59.8% | $102,460-65.9% | $80,959-56.8% |
| Participation rate | 89.2% | 72.4%+16.8pp | 76.5%+12.6pp | 67.7%+21.5pp |
| Annual return | 14.75% | 18.89%-4.1pp | 29.47%-14.7pp | 35.67%-20.9pp |
| Employer contribution / active EE | $1,225 | $2,370-48.3% | $3,025-59.5% | $2,757-55.6% |
| Participant deferral / active EE | $3,461 | $4,121-16.0% | $5,056-31.6% | $4,300-19.5% |
| Admin fee / account holder | $6,789 | $8,048-15.6% | $9,460-28.2% | $6,925-2.0% |