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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 | $45,213 | $60,349-25.1% | $74,184-39.1% | $62,881-28.1% |
| Participation rate | 95.5% | 72.7%+22.7pp | 76.6%+18.8pp | 69.3%+26.1pp |
| Annual return | 6.98% | 21.38%-14.4pp | 17.74%-10.8pp | 20.14%-13.2pp |
| Employer contribution / active EE | $1,062 | $1,680-36.8% | $2,370-55.2% | $2,281-53.5% |
| Participant deferral / active EE | $2,084 | $2,856-27.0% | $3,550-41.3% | $3,203-34.9% |
| Admin fee / account holder | $3,735 | $4,261-12.3% | $5,586-33.1% | $4,296-13.0% |