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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 | $32,747 | $81,504-59.8% | $102,437-68.0% | $80,959-59.6% |
| Participation rate | 88.9% | 66.9%+22.0pp | 74.5%+14.4pp | 67.7%+21.2pp |
| Annual return | 13.59% | 25.60%-12.0pp | 24.95%-11.4pp | 35.67%-22.1pp |
| Employer contribution / active EE | $2,835 | $3,104-8.7% | $3,871-26.8% | $2,757+2.8% |
| Participant deferral / active EE | $5,039 | $3,871+30.2% | $5,060-0.4% | $4,300+17.2% |
| Admin fee / account holder | $4,428 | $6,719-34.1% | $8,388-47.2% | $6,925-36.1% |