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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 | $38,306 | $88,707-56.8% | $74,184-48.4% | $273,972-86.0% |
| Participation rate | 84.2% | 79.4%+4.8pp | 76.6%+7.6pp | 83.0%+1.2pp |
| Annual return | 6.24% | 11.94%-5.7pp | 17.74%-11.5pp | 41.46%-35.2pp |
| Employer contribution / active EE | $2,342 | $3,159-25.9% | $2,370-1.2% | $4,869-51.9% |
| Participant deferral / active EE | $1,410 | $4,212-66.5% | $3,550-60.3% | $5,287-73.3% |
| Admin fee / account holder | $669 | $8,717-92.3% | $5,586-88.0% | $10,133-93.4% |