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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 | $32,327 | $67,602-52.2% | $82,312-60.7% | $70,126-53.9% |
| Participation rate | 77.1% | 72.8%+4.3pp | 76.9%+0.2pp | 69.5%+7.5pp |
| Annual return | 22.45% | 21.57%+0.9pp | 25.88%-3.4pp | 73.15%-50.7pp |
| Employer contribution / active EE | $1,173 | $1,755-33.2% | $2,428-51.7% | $2,343-49.9% |
| Participant deferral / active EE | $2,770 | $2,987-7.3% | $3,706-25.3% | $3,332-16.9% |
| Admin fee / account holder | $905 | $4,512-79.9% | $5,608-83.9% | $4,645-80.5% |