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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 | $37,992 | $52,306-27.4% | $69,779-45.6% | $62,881-39.6% |
| Participation rate | 76.7% | 67.2%+9.5pp | 71.8%+4.9pp | 69.3%+7.4pp |
| Annual return | 6.37% | 13.35%-7.0pp | 12.99%-6.6pp | 20.14%-13.8pp |
| Employer contribution / active EE | $1,075 | $1,799-40.2% | $2,338-54.0% | $2,281-52.9% |
| Participant deferral / active EE | $2,887 | $2,395+20.5% | $2,931-1.5% | $3,203-9.9% |
| Admin fee / account holder | $4,225 | $3,691+14.5% | $4,381-3.6% | $4,296-1.7% |