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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 | $33,163 | $58,587-43.4% | $83,322-60.2% | $64,173-48.3% |
| Participation rate | 82.5% | 72.0%+10.5pp | 77.8%+4.7pp | 69.6%+12.9pp |
| Annual return | 8.12% | 9.65%-1.5pp | 10.64%-2.5pp | 7.63%+0.5pp |
| Employer contribution / active EE | $3,249 | $2,098+54.8% | $3,379-3.9% | $2,381+36.4% |
| Participant deferral / active EE | $4,008 | $4,654-13.9% | $5,565-28.0% | $3,470+15.5% |
| Admin fee / account holder | $1,503 | $9,279-83.8% | $7,540-80.1% | $4,887-69.3% |