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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 | $74,178 | $96,956-23.5% | $69,779+6.3% | $273,972-72.9% |
| Participation rate | 92.3% | 77.1%+15.2pp | 71.8%+20.5pp | 83.0%+9.3pp |
| Annual return | 3.14% | 12.93%-9.8pp | 12.99%-9.9pp | 41.46%-38.3pp |
| Employer contribution / active EE | $580 | $3,316-82.5% | $2,338-75.2% | $4,869-88.1% |
| Participant deferral / active EE | $3,171 | $3,744-15.3% | $2,931+8.2% | $5,287-40.0% |
| Admin fee / account holder | $2,079 | $7,934-73.8% | $4,381-52.5% | $10,133-79.5% |