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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 | $86,938-60.1% | $102,423-66.1% | $80,925-57.1% |
| Participation rate | 73.2% | 72.4%+0.8pp | 76.5%-3.3pp | 67.7%+5.5pp |
| Annual return | 14.75% | 18.89%-4.1pp | 29.42%-14.7pp | 35.65%-20.9pp |
| Employer contribution / active EE | $2,188 | $2,369-7.6% | $3,023-27.6% | $2,756-20.6% |
| Participant deferral / active EE | $4,112 | $4,120-0.2% | $5,054-18.6% | $4,299-4.3% |
| Admin fee / account holder | $604 | $8,053-92.5% | $9,455-93.6% | $6,940-91.3% |