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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 | $33,425 | $86,938-61.6% | $102,423-67.4% | $80,925-58.7% |
| Participation rate | 75.8% | 72.4%+3.4pp | 76.5%-0.7pp | 67.7%+8.2pp |
| Annual return | 11.04% | 18.89%-7.8pp | 29.42%-18.4pp | 35.65%-24.6pp |
| Employer contribution / active EE | $1,762 | $2,369-25.6% | $3,023-41.7% | $2,756-36.1% |
| Participant deferral / active EE | $3,229 | $4,120-21.6% | $5,054-36.1% | $4,299-24.9% |
| Admin fee / account holder | $1,076 | $8,053-86.6% | $9,455-88.6% | $6,940-84.5% |