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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 | $34,812 | $83,485-58.3% | $125,192-72.2% | $72,975-52.3% |
| Participation rate | 80.0% | 73.3%+6.7pp | 79.8%+0.2pp | 69.5%+10.5pp |
| Annual return | 25.02% | 25.77%-0.7pp | 43.79%-18.8pp | 81.01%-56.0pp |
| Employer contribution / active EE | $1,995 | $2,346-15.0% | $3,866-48.4% | $2,440-18.2% |
| Participant deferral / active EE | $3,687 | $3,586+2.8% | $4,937-25.3% | $3,608+2.2% |
| Admin fee / account holder | $1,373 | $5,518-75.1% | $9,704-85.8% | $5,124-73.2% |