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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 | $34,494 | $51,708-33.3% | $106,619-67.6% | $62,881-45.1% |
| Participation rate | 96.1% | 66.9%+29.2pp | 78.0%+18.1pp | 69.3%+26.8pp |
| Annual return | 7.15% | 4.69%+2.5pp | 9.42%-2.3pp | 20.14%-13.0pp |
| Employer contribution / active EE | $1,751 | $1,764-0.7% | $3,947-55.6% | $2,281-23.2% |
| Participant deferral / active EE | $2,798 | $2,315+20.8% | $3,930-28.8% | $3,203-12.6% |
| Admin fee / account holder | $2,108 | $3,349-37.1% | $6,418-67.2% | $4,296-50.9% |