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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 | $37,799 | $67,602-44.1% | $82,312-54.1% | $70,126-46.1% |
| Participation rate | 88.9% | 72.8%+16.1pp | 76.9%+12.0pp | 69.5%+19.3pp |
| Annual return | 19.99% | 21.57%-1.6pp | 25.88%-5.9pp | 73.15%-53.2pp |
| Employer contribution / active EE | $1,152 | $1,755-34.4% | $2,428-52.6% | $2,343-50.8% |
| Participant deferral / active EE | $2,240 | $2,987-25.0% | $3,706-39.6% | $3,332-32.8% |
| Admin fee / account holder | $1,080 | $4,512-76.1% | $5,608-80.7% | $4,645-76.8% |