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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 | $81,487-60.8% | $102,412-68.8% | $80,935-60.5% |
| Participation rate | 89.7% | 66.8%+22.8pp | 74.5%+15.2pp | 67.7%+22.0pp |
| Annual return | 12.69% | 25.60%-12.9pp | 24.94%-12.2pp | 35.66%-23.0pp |
| Employer contribution / active EE | $2,112 | $3,103-31.9% | $3,870-45.4% | $2,757-23.4% |
| Participant deferral / active EE | $3,615 | $3,871-6.6% | $5,060-28.6% | $4,299-15.9% |
| Admin fee / account holder | $3,220 | $6,717-52.1% | $8,388-61.6% | $6,924-53.5% |