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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 | $38,875 | $73,988-47.5% | $96,538-59.7% | $75,177-48.3% |
| Participation rate | 89.0% | 66.4%+22.6pp | 74.3%+14.7pp | 67.2%+21.8pp |
| Annual return | 13.66% | 26.73%-13.1pp | 35.74%-22.1pp | 160.75%-147.1pp |
| Employer contribution / active EE | $1,778 | $2,930-39.3% | $3,740-52.5% | $2,671-33.4% |
| Participant deferral / active EE | $2,888 | $3,660-21.1% | $4,880-40.8% | $4,126-30.0% |
| Admin fee / account holder | $2,293 | $5,220-56.1% | $6,737-66.0% | $5,651-59.4% |