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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 | $34,703 | $86,922-60.1% | $102,438-66.1% | $80,874-57.1% |
| Participation rate | 73.2% | 72.4%+0.8pp | 76.5%-3.3pp | 67.6%+5.5pp |
| Annual return | 14.75% | 18.90%-4.1pp | 29.37%-14.6pp | 35.62%-20.9pp |
| Employer contribution / active EE | $2,188 | $2,369-7.7% | $3,024-27.6% | $2,756-20.6% |
| Participant deferral / active EE | $4,112 | $4,119-0.2% | $5,054-18.6% | $4,297-4.3% |
| Admin fee / account holder | $604 | $8,050-92.5% | $9,448-93.6% | $6,935-91.3% |