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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 | $24,734 | $56,894-56.5% | $84,753-70.8% | $62,881-60.7% |
| Participation rate | 81.8% | 68.5%+13.3pp | 76.6%+5.2pp | 69.3%+12.5pp |
| Annual return | 4.82% | 6.30%-1.5pp | 22.78%-18.0pp | 20.14%-15.3pp |
| Employer contribution / active EE | $2,743 | $2,400+14.3% | $3,574-23.3% | $2,281+20.2% |
| Participant deferral / active EE | $3,302 | $2,709+21.9% | $3,712-11.0% | $3,203+3.1% |
| Admin fee / account holder | $2,920 | $3,581-18.5% | $5,333-45.2% | $4,296-32.0% |