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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 | $76,834-50.3% | $108,359-64.7% | $87,485-56.3% |
| Participation rate | 92.3% | 61.7%+30.6pp | 70.1%+22.2pp | 68.9%+23.4pp |
| Annual return | 13.36% | 19.09%-5.7pp | 36.89%-23.5pp | 26.06%-12.7pp |
| Employer contribution / active EE | $1,022 | $1,556-34.3% | $2,399-57.4% | $2,596-60.6% |
| Participant deferral / active EE | $3,551 | $3,100+14.5% | $4,137-14.2% | $4,274-16.9% |
| Admin fee / account holder | $1,837 | $6,537-71.9% | $9,741-81.1% | $7,775-76.4% |