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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 | $33,015 | $52,306-36.9% | $69,779-52.7% | $62,881-47.5% |
| Participation rate | 84.7% | 67.2%+17.5pp | 71.8%+12.9pp | 69.3%+15.4pp |
| Annual return | 9.31% | 13.35%-4.0pp | 12.99%-3.7pp | 20.14%-10.8pp |
| Employer contribution / active EE | $1,200 | $1,799-33.3% | $2,338-48.7% | $2,281-47.4% |
| Participant deferral / active EE | $2,866 | $2,395+19.7% | $2,931-2.2% | $3,203-10.5% |
| Admin fee / account holder | $686 | $3,691-81.4% | $4,381-84.3% | $4,296-84.0% |