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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 | $97,550-61.7% | $120,344-69.0% | $87,485-57.3% |
| Participation rate | 89.1% | 72.8%+16.2pp | 76.7%+12.4pp | 68.9%+20.1pp |
| Annual return | 16.07% | 18.41%-2.3pp | 20.30%-4.2pp | 26.06%-10.0pp |
| Employer contribution / active EE | $1,866 | $2,291-18.6% | $3,020-38.2% | $2,596-28.1% |
| Participant deferral / active EE | $3,037 | $4,230-28.2% | $5,135-40.9% | $4,274-28.9% |
| Admin fee / account holder | $1,053 | $9,543-89.0% | $12,742-91.7% | $7,775-86.5% |