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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 | $32,921 | $95,453-65.5% | $112,040-70.6% | $82,448-60.1% |
| Participation rate | 77.8% | 72.8%+5.0pp | 76.5%+1.3pp | 68.1%+9.7pp |
| Annual return | 17.83% | 23.92%-6.1pp | 24.52%-6.7pp | 41.64%-23.8pp |
| Employer contribution / active EE | $3,144 | $2,318+35.6% | $2,954+6.4% | $2,551+23.2% |
| Participant deferral / active EE | $4,280 | $4,224+1.3% | $5,098-16.0% | $4,139+3.4% |
| Admin fee / account holder | $3,287 | $9,013-63.5% | $12,098-72.8% | $7,234-54.6% |