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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 | $34,135 | $59,804-42.9% | $81,982-58.4% | $79,856-57.3% |
| Participation rate | 88.6% | 61.6%+26.9pp | 69.3%+19.3pp | 69.6%+18.9pp |
| Annual return | 22.70% | 17.56%+5.1pp | 41.31%-18.6pp | 31.71%-9.0pp |
| Employer contribution / active EE | $1,934 | $1,713+12.9% | $2,498-22.6% | $2,471-21.7% |
| Participant deferral / active EE | $3,604 | $2,695+33.7% | $3,722-3.2% | $3,741-3.7% |
| Admin fee / account holder | $758 | $4,288-82.3% | $5,665-86.6% | $5,306-85.7% |