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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 | $34,567 | $43,344-20.3% | $59,899-42.3% | $64,173-46.1% |
| Participation rate | 85.3% | 69.2%+16.1pp | 74.7%+10.6pp | 69.6%+15.7pp |
| Annual return | 8.88% | -1.55%+10.4pp | 3.46%+5.4pp | 7.63%+1.3pp |
| Employer contribution / active EE | $1,110 | $2,030-45.3% | $2,723-59.2% | $2,381-53.4% |
| Participant deferral / active EE | $1,782 | $2,547-30.1% | $3,402-47.6% | $3,470-48.6% |
| Admin fee / account holder | $2,950 | $3,008-1.9% | $3,592-17.9% | $4,887-39.6% |