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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 | $34,559 | $78,015-55.7% | $178,505-80.6% | $80,959-57.3% |
| Participation rate | 77.6% | 65.7%+11.9pp | 77.1%+0.5pp | 67.7%+9.9pp |
| Annual return | 21.45% | 18.10%+3.4pp | 27.16%-5.7pp | 35.67%-14.2pp |
| Employer contribution / active EE | $1,576 | $2,281-30.9% | $3,955-60.2% | $2,757-42.9% |
| Participant deferral / active EE | $3,829 | $4,406-13.1% | $6,280-39.0% | $4,300-11.0% |
| Admin fee / account holder | $411 | $7,160-94.3% | $10,428-96.1% | $6,925-94.1% |