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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 | $47,712 | $88,707-46.2% | $74,184-35.7% | $273,972-82.6% |
| Participation rate | 93.8% | 79.4%+14.3pp | 76.6%+17.1pp | 83.0%+10.7pp |
| Annual return | 6.75% | 11.94%-5.2pp | 17.74%-11.0pp | 41.46%-34.7pp |
| Employer contribution / active EE | $2,187 | $3,159-30.8% | $2,370-7.7% | $4,869-55.1% |
| Participant deferral / active EE | $3,625 | $4,212-13.9% | $3,550+2.1% | $5,287-31.4% |
| Admin fee / account holder | $1,668 | $8,717-80.9% | $5,586-70.1% | $10,133-83.5% |