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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 | $33,043 | $76,371-56.7% | $93,621-64.7% | $72,975-54.7% |
| Participation rate | 97.2% | 71.8%+25.5pp | 75.8%+21.4pp | 69.5%+27.7pp |
| Annual return | 20.63% | 25.82%-5.2pp | 32.76%-12.1pp | 81.01%-60.4pp |
| Employer contribution / active EE | $1,611 | $2,276-29.2% | $2,719-40.7% | $2,440-34.0% |
| Participant deferral / active EE | $2,909 | $3,538-17.8% | $4,070-28.5% | $3,608-19.4% |
| Admin fee / account holder | $524 | $6,839-92.3% | $7,890-93.4% | $5,124-89.8% |