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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 | $33,405 | $76,367-56.3% | $93,614-64.3% | $72,983-54.2% |
| Participation rate | 89.7% | 71.7%+17.9pp | 75.8%+13.8pp | 69.5%+20.2pp |
| Annual return | 21.78% | 25.82%-4.0pp | 32.76%-11.0pp | 81.01%-59.2pp |
| Employer contribution / active EE | $1,064 | $2,275-53.2% | $2,718-60.8% | $2,440-56.4% |
| Participant deferral / active EE | $2,561 | $3,538-27.6% | $4,069-37.1% | $3,608-29.0% |
| Admin fee / account holder | $8,843 | $6,838+29.3% | $7,889+12.1% | $5,124+72.6% |