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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 | $61,631 | $104,098-40.8% | $140,514-56.1% | $94,015-34.4% |
| Participation rate | 91.2% | 73.7%+17.5pp | 77.8%+13.4pp | 70.8%+20.4pp |
| Annual return | 13.41% | 15.14%-1.7pp | 14.36%-0.9pp | 17.84%-4.4pp |
| Employer contribution / active EE | $1,118 | $2,388-53.2% | $3,378-66.9% | $2,790-59.9% |
| Participant deferral / active EE | $3,231 | $4,033-19.9% | $4,919-34.3% | $4,249-24.0% |
| Admin fee / account holder | $1,588 | $10,439-84.8% | $13,697-88.4% | $8,951-82.3% |