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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 | $29,338 | $56,894-48.4% | $84,753-65.4% | $62,881-53.3% |
| Participation rate | 84.2% | 68.5%+15.7pp | 76.6%+7.6pp | 69.3%+14.9pp |
| Annual return | 7.37% | 6.30%+1.1pp | 22.78%-15.4pp | 20.14%-12.8pp |
| Employer contribution / active EE | $1,318 | $2,400-45.1% | $3,574-63.1% | $2,281-42.2% |
| Participant deferral / active EE | $2,082 | $2,709-23.1% | $3,712-43.9% | $3,203-35.0% |
| Admin fee / account holder | $3,093 | $3,581-13.6% | $5,333-42.0% | $4,296-28.0% |