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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 | $77,574-50.8% | $108,753-64.9% | $86,983-56.1% |
| Participation rate | 92.3% | 62.3%+30.0pp | 71.1%+21.2pp | 69.5%+22.8pp |
| Annual return | 13.36% | 18.42%-5.1pp | 37.47%-24.1pp | 25.83%-12.5pp |
| Employer contribution / active EE | $1,022 | $1,611-36.5% | $2,427-57.9% | $2,584-60.4% |
| Participant deferral / active EE | $3,551 | $3,128+13.5% | $4,115-13.7% | $4,194-15.3% |
| Admin fee / account holder | $1,837 | $6,529-71.9% | $10,320-82.2% | $7,856-76.6% |