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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 | $32,169 | $56,894-43.5% | $84,753-62.0% | $62,881-48.8% |
| Participation rate | 97.4% | 68.5%+28.9pp | 76.6%+20.8pp | 69.3%+28.1pp |
| Annual return | 4.83% | 6.30%-1.5pp | 22.78%-18.0pp | 20.14%-15.3pp |
| Employer contribution / active EE | $1,647 | $2,400-31.4% | $3,574-53.9% | $2,281-27.8% |
| Participant deferral / active EE | $2,016 | $2,709-25.6% | $3,712-45.7% | $3,203-37.1% |
| Admin fee / account holder | $2,633 | $3,581-26.5% | $5,333-50.6% | $4,296-38.7% |