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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 | $39,191 | $65,704-40.4% | $94,229-58.4% | $59,633-34.3% |
| Participation rate | 74.4% | 72.1%+2.2pp | 78.8%-4.4pp | 68.7%+5.7pp |
| Annual return | 3.70% | 5.22%-1.5pp | 10.68%-7.0pp | 2041.45%-2037.8pp |
| Employer contribution / active EE | $1,580 | $2,021-21.8% | $3,587-55.9% | $2,203-28.3% |
| Participant deferral / active EE | $2,653 | $3,143-15.6% | $4,320-38.6% | $3,192-16.9% |
| Admin fee / account holder | $4,428 | $4,265+3.8% | $6,269-29.4% | $4,297+3.0% |