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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 | $29,207 | $81,487-64.2% | $102,412-71.5% | $80,935-63.9% |
| Participation rate | 77.6% | 66.8%+10.7pp | 74.5%+3.0pp | 67.7%+9.9pp |
| Annual return | 12.81% | 25.60%-12.8pp | 24.94%-12.1pp | 35.66%-22.9pp |
| Employer contribution / active EE | $2,346 | $3,103-24.4% | $3,870-39.4% | $2,757-14.9% |
| Participant deferral / active EE | $3,842 | $3,871-0.7% | $5,060-24.1% | $4,299-10.6% |
| Admin fee / account holder | $1,039 | $6,717-84.5% | $8,388-87.6% | $6,924-85.0% |