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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 | $31,120 | $73,988-57.9% | $96,538-67.8% | $75,177-58.6% |
| Participation rate | 93.0% | 66.4%+26.6pp | 74.3%+18.7pp | 67.2%+25.8pp |
| Annual return | 15.90% | 26.73%-10.8pp | 35.74%-19.8pp | 160.75%-144.8pp |
| Employer contribution / active EE | $1,746 | $2,930-40.4% | $3,740-53.3% | $2,671-34.6% |
| Participant deferral / active EE | $3,623 | $3,660-1.0% | $4,880-25.8% | $4,126-12.2% |
| Admin fee / account holder | $3,699 | $5,220-29.1% | $6,737-45.1% | $5,651-34.6% |