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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 | $38,205 | $73,787-48.2% | $98,716-61.3% | $82,448-53.7% |
| Participation rate | 92.3% | 61.4%+30.9pp | 69.3%+23.0pp | 68.1%+24.2pp |
| Annual return | 13.36% | 18.57%-5.2pp | 31.81%-18.4pp | 41.64%-28.3pp |
| Employer contribution / active EE | $1,022 | $1,511-32.4% | $2,279-55.1% | $2,551-59.9% |
| Participant deferral / active EE | $3,551 | $3,081+15.2% | $4,048-12.3% | $4,139-14.2% |
| Admin fee / account holder | $1,837 | $6,500-71.7% | $8,703-78.9% | $7,234-74.6% |