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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 | $31,332 | $106,524-70.6% | $152,301-79.4% | $87,485-64.2% |
| Participation rate | 88.9% | 75.8%+13.1pp | 82.4%+6.4pp | 68.9%+20.0pp |
| Annual return | 19.86% | 26.89%-7.0pp | 80.50%-60.6pp | 26.06%-6.2pp |
| Employer contribution / active EE | $1,644 | $3,371-51.2% | $4,624-64.5% | $2,596-36.7% |
| Participant deferral / active EE | $6,777 | $6,525+3.9% | $8,004-15.3% | $4,274+58.6% |
| Admin fee / account holder | $814 | $8,287-90.2% | $14,398-94.3% | $7,775-89.5% |