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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 | $28,643 | $78,013-63.3% | $178,449-83.9% | $80,911-64.6% |
| Participation rate | 94.9% | 65.7%+29.2pp | 77.1%+17.8pp | 67.6%+27.2pp |
| Annual return | 16.92% | 18.07%-1.1pp | 27.09%-10.2pp | 35.63%-18.7pp |
| Employer contribution / active EE | $2,972 | $2,287+29.9% | $3,951-24.8% | $2,756+7.8% |
| Participant deferral / active EE | $4,436 | $4,408+0.6% | $6,277-29.3% | $4,297+3.2% |
| Admin fee / account holder | $3,172 | $7,166-55.7% | $10,362-69.4% | $6,935-54.3% |