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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 | $33,415 | $86,922-61.6% | $102,438-67.4% | $80,874-58.7% |
| Participation rate | 98.1% | 72.4%+25.7pp | 76.5%+21.6pp | 67.6%+30.4pp |
| Annual return | 15.55% | 18.90%-3.4pp | 29.37%-13.8pp | 35.62%-20.1pp |
| Employer contribution / active EE | $947 | $2,369-60.0% | $3,024-68.7% | $2,756-65.6% |
| Participant deferral / active EE | $3,215 | $4,119-21.9% | $5,054-36.4% | $4,297-25.2% |
| Admin fee / account holder | $5,651 | $8,050-29.8% | $9,448-40.2% | $6,935-18.5% |