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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 | $61,500 | $88,707-30.7% | $74,184-17.1% | $273,972-77.6% |
| Participation rate | 94.4% | 79.4%+15.0pp | 76.6%+17.8pp | 83.0%+11.4pp |
| Annual return | 9.57% | 11.94%-2.4pp | 17.74%-8.2pp | 41.46%-31.9pp |
| Employer contribution / active EE | $2,382 | $3,159-24.6% | $2,370+0.5% | $4,869-51.1% |
| Participant deferral / active EE | $3,199 | $4,212-24.0% | $3,550-9.9% | $5,287-39.5% |
| Admin fee / account holder | $326 | $8,717-96.3% | $5,586-94.2% | $10,133-96.8% |