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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 | $28,881 | $59,804-51.7% | $81,982-64.8% | $79,856-63.8% |
| Participation rate | 73.2% | 61.6%+11.5pp | 69.3%+3.9pp | 69.6%+3.5pp |
| Annual return | 13.40% | 17.56%-4.2pp | 41.31%-27.9pp | 31.71%-18.3pp |
| Employer contribution / active EE | $1,499 | $1,713-12.5% | $2,498-40.0% | $2,471-39.3% |
| Participant deferral / active EE | $2,207 | $2,695-18.1% | $3,722-40.7% | $3,741-41.0% |
| Admin fee / account holder | $4,428 | $4,288+3.3% | $5,665-21.8% | $5,306-16.5% |