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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 | $22,684 | $52,306-56.6% | $69,779-67.5% | $62,881-63.9% |
| Participation rate | 93.8% | 67.2%+26.6pp | 71.8%+22.0pp | 69.3%+24.5pp |
| Annual return | 6.61% | 13.35%-6.7pp | 12.99%-6.4pp | 20.14%-13.5pp |
| Employer contribution / active EE | $3,059 | $1,799+70.1% | $2,338+30.8% | $2,281+34.1% |
| Participant deferral / active EE | $2,139 | $2,395-10.7% | $2,931-27.0% | $3,203-33.2% |
| Admin fee / account holder | $3,823 | $3,691+3.6% | $4,381-12.7% | $4,296-11.0% |