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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 | $29,893 | $73,988-59.6% | $96,538-69.0% | $75,177-60.2% |
| Participation rate | 87.5% | 66.4%+21.1pp | 74.3%+13.2pp | 67.2%+20.3pp |
| Annual return | 14.02% | 26.73%-12.7pp | 35.74%-21.7pp | 160.75%-146.7pp |
| Employer contribution / active EE | $2,236 | $2,930-23.7% | $3,740-40.2% | $2,671-16.3% |
| Participant deferral / active EE | $3,678 | $3,660+0.5% | $4,880-24.6% | $4,126-10.9% |
| Admin fee / account holder | $3,052 | $5,220-41.5% | $6,737-54.7% | $5,651-46.0% |