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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 | $32,183 | $78,015-58.7% | $178,505-82.0% | $80,959-60.2% |
| Participation rate | 78.4% | 65.7%+12.8pp | 77.1%+1.3pp | 67.7%+10.8pp |
| Annual return | 11.72% | 18.10%-6.4pp | 27.16%-15.4pp | 35.67%-24.0pp |
| Employer contribution / active EE | $2,084 | $2,281-8.7% | $3,955-47.3% | $2,757-24.4% |
| Participant deferral / active EE | $3,702 | $4,406-16.0% | $6,280-41.0% | $4,300-13.9% |
| Admin fee / account holder | $3,707 | $7,160-48.2% | $10,428-64.5% | $6,925-46.5% |