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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 | $33,601 | $99,345-66.2% | $84,753-60.4% | $273,972-87.7% |
| Participation rate | 92.9% | 80.7%+12.2pp | 76.6%+16.3pp | 83.0%+9.8pp |
| Annual return | 5.25% | 22.93%-17.7pp | 22.78%-17.5pp | 41.46%-36.2pp |
| Employer contribution / active EE | $1,248 | $4,214-70.4% | $3,574-65.1% | $4,869-74.4% |
| Participant deferral / active EE | $2,302 | $4,270-46.1% | $3,712-38.0% | $5,287-56.5% |
| Admin fee / account holder | $15,570 | $6,645+134.3% | $5,333+192.0% | $10,133+53.7% |