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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 | $37,106 | $77,896-52.4% | $134,172-72.3% | $82,448-55.0% |
| Participation rate | 73.3% | 62.8%+10.5pp | 72.5%+0.9pp | 68.1%+5.3pp |
| Annual return | 17.16% | 18.21%-1.1pp | 25.30%-8.1pp | 41.64%-24.5pp |
| Employer contribution / active EE | $1,617 | $2,159-25.1% | $3,420-52.7% | $2,551-36.6% |
| Participant deferral / active EE | $3,199 | $3,162+1.2% | $4,690-31.8% | $4,139-22.7% |
| Admin fee / account holder | $4,452 | $6,336-29.7% | $12,016-63.0% | $7,234-38.5% |