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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 | $78,013-58.7% | $178,449-82.0% | $80,911-60.2% |
| Participation rate | 78.4% | 65.7%+12.7pp | 77.1%+1.3pp | 67.6%+10.8pp |
| Annual return | 11.72% | 18.07%-6.3pp | 27.09%-15.4pp | 35.63%-23.9pp |
| Employer contribution / active EE | $2,084 | $2,287-8.9% | $3,951-47.3% | $2,756-24.4% |
| Participant deferral / active EE | $3,702 | $4,408-16.0% | $6,277-41.0% | $4,297-13.8% |
| Admin fee / account holder | $3,707 | $7,166-48.3% | $10,362-64.2% | $6,935-46.5% |