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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 | $34,341 | $54,541-37.0% | $78,778-56.4% | $70,126-51.0% |
| Participation rate | 76.7% | 60.8%+15.9pp | 69.2%+7.5pp | 69.5%+7.1pp |
| Annual return | 14.75% | 21.07%-6.3pp | 35.62%-20.9pp | 73.15%-58.4pp |
| Employer contribution / active EE | $1,029 | $1,089-5.5% | $1,986-48.2% | $2,343-56.1% |
| Participant deferral / active EE | $2,866 | $2,210+29.7% | $2,958-3.1% | $3,332-14.0% |
| Admin fee / account holder | $1,746 | $3,709-52.9% | $5,134-66.0% | $4,645-62.4% |