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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 | $24,241 | $60,349-59.8% | $74,184-67.3% | $62,881-61.4% |
| Participation rate | 88.1% | 72.7%+15.4pp | 76.6%+11.5pp | 69.3%+18.8pp |
| Annual return | 7.36% | 21.38%-14.0pp | 17.74%-10.4pp | 20.14%-12.8pp |
| Employer contribution / active EE | $1,060 | $1,680-36.9% | $2,370-55.3% | $2,281-53.5% |
| Participant deferral / active EE | $3,621 | $2,856+26.8% | $3,550+2.0% | $3,203+13.1% |
| Admin fee / account holder | $1,815 | $4,261-57.4% | $5,586-67.5% | $4,296-57.7% |