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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 | $86,949-61.6% | $102,460-67.4% | $80,959-58.7% |
| Participation rate | 98.1% | 72.4%+25.7pp | 76.5%+21.6pp | 67.7%+30.4pp |
| Annual return | 15.55% | 18.89%-3.3pp | 29.47%-13.9pp | 35.67%-20.1pp |
| Employer contribution / active EE | $947 | $2,370-60.1% | $3,025-68.7% | $2,757-65.7% |
| Participant deferral / active EE | $3,215 | $4,121-22.0% | $5,056-36.4% | $4,300-25.2% |
| Admin fee / account holder | $5,651 | $8,048-29.8% | $9,460-40.3% | $6,925-18.4% |