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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 | $31,960 | $81,504-60.8% | $102,437-68.8% | $80,959-60.5% |
| Participation rate | 89.7% | 66.9%+22.8pp | 74.5%+15.1pp | 67.7%+22.0pp |
| Annual return | 12.69% | 25.60%-12.9pp | 24.95%-12.3pp | 35.67%-23.0pp |
| Employer contribution / active EE | $2,112 | $3,104-32.0% | $3,871-45.4% | $2,757-23.4% |
| Participant deferral / active EE | $3,615 | $3,871-6.6% | $5,060-28.6% | $4,300-15.9% |
| Admin fee / account holder | $3,220 | $6,719-52.1% | $8,388-61.6% | $6,925-53.5% |