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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 | $36,043 | $86,949-58.5% | $102,460-64.8% | $80,959-55.5% |
| Participation rate | 95.5% | 72.4%+23.1pp | 76.5%+18.9pp | 67.7%+27.8pp |
| Annual return | 10.64% | 18.89%-8.3pp | 29.47%-18.8pp | 35.67%-25.0pp |
| Employer contribution / active EE | $1,737 | $2,370-26.7% | $3,025-42.6% | $2,757-37.0% |
| Participant deferral / active EE | $4,409 | $4,121+7.0% | $5,056-12.8% | $4,300+2.5% |
| Admin fee / account holder | $6,576 | $8,048-18.3% | $9,460-30.5% | $6,925-5.0% |