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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 | $37,323 | $95,453-60.9% | $112,040-66.7% | $82,448-54.7% |
| Participation rate | 89.1% | 72.8%+16.3pp | 76.5%+12.6pp | 68.1%+21.0pp |
| Annual return | 16.07% | 23.92%-7.8pp | 24.52%-8.4pp | 41.64%-25.6pp |
| Employer contribution / active EE | $1,866 | $2,318-19.5% | $2,954-36.8% | $2,551-26.9% |
| Participant deferral / active EE | $3,037 | $4,224-28.1% | $5,098-40.4% | $4,139-26.6% |
| Admin fee / account holder | $1,053 | $9,013-88.3% | $12,098-91.3% | $7,234-85.5% |