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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 | $30,899 | $99,345-68.9% | $84,753-63.5% | $273,972-88.7% |
| Participation rate | 94.1% | 80.7%+13.4pp | 76.6%+17.5pp | 83.0%+11.1pp |
| Annual return | 7.70% | 22.93%-15.2pp | 22.78%-15.1pp | 41.46%-33.8pp |
| Employer contribution / active EE | $1,895 | $4,214-55.0% | $3,574-47.0% | $4,869-61.1% |
| Participant deferral / active EE | $3,815 | $4,270-10.6% | $3,712+2.8% | $5,287-27.8% |
| Admin fee / account holder | $781 | $6,645-88.2% | $5,333-85.4% | $10,133-92.3% |