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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 | $28,406 | $73,988-61.6% | $96,538-70.6% | $75,177-62.2% |
| Participation rate | 75.3% | 66.4%+8.8pp | 74.3%+0.9pp | 67.2%+8.1pp |
| Annual return | 17.36% | 26.73%-9.4pp | 35.74%-18.4pp | 160.75%-143.4pp |
| Employer contribution / active EE | $1,688 | $2,930-42.4% | $3,740-54.9% | $2,671-36.8% |
| Participant deferral / active EE | $3,892 | $3,660+6.3% | $4,880-20.3% | $4,126-5.7% |
| Admin fee / account holder | $2,283 | $5,220-56.3% | $6,737-66.1% | $5,651-59.6% |