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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 | $28,868 | $88,707-67.5% | $74,184-61.1% | $273,972-89.5% |
| Participation rate | 80.0% | 79.4%+0.6pp | 76.6%+3.4pp | 83.0%-3.0pp |
| Annual return | 2.76% | 11.94%-9.2pp | 17.74%-15.0pp | 41.46%-38.7pp |
| Employer contribution / active EE | $1,731 | $3,159-45.2% | $2,370-27.0% | $4,869-64.4% |
| Participant deferral / active EE | $2,851 | $4,212-32.3% | $3,550-19.7% | $5,287-46.1% |
| Admin fee / account holder | $1,545 | $8,717-82.3% | $5,586-72.3% | $10,133-84.8% |