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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 | $22,403 | $78,013-71.3% | $178,449-87.4% | $80,911-72.3% |
| Participation rate | 82.8% | 65.7%+17.1pp | 77.1%+5.7pp | 67.6%+15.2pp |
| Annual return | 13.45% | 18.07%-4.6pp | 27.09%-13.6pp | 35.63%-22.2pp |
| Employer contribution / active EE | $1,886 | $2,287-17.5% | $3,951-52.3% | $2,756-31.6% |
| Participant deferral / active EE | $3,480 | $4,408-21.0% | $6,277-44.5% | $4,297-19.0% |
| Admin fee / account holder | $1,670 | $7,166-76.7% | $10,362-83.9% | $6,935-75.9% |