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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 | $38,903 | $54,757-29.0% | $90,287-56.9% | $72,986-46.7% |
| Participation rate | 79.8% | 65.1%+14.6pp | 73.3%+6.5pp | 69.5%+10.3pp |
| Annual return | 20.72% | 30.63%-9.9pp | 78.10%-57.4pp | 81.01%-60.3pp |
| Employer contribution / active EE | $1,118 | $2,092-46.5% | $2,855-60.8% | $2,440-54.2% |
| Participant deferral / active EE | $1,974 | $2,887-31.6% | $3,885-49.2% | $3,607-45.3% |
| Admin fee / account holder | $1,381 | $3,972-65.2% | $5,351-74.2% | $5,124-73.1% |