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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 | $39,150 | $81,446-51.9% | $103,374-62.1% | $80,874-51.6% |
| Participation rate | 93.9% | 66.9%+27.1pp | 74.5%+19.4pp | 67.6%+26.3pp |
| Annual return | 12.93% | 25.57%-12.6pp | 24.89%-12.0pp | 35.62%-22.7pp |
| Employer contribution / active EE | $2,520 | $3,107-18.9% | $3,869-34.9% | $2,756-8.6% |
| Participant deferral / active EE | $3,414 | $3,870-11.8% | $5,058-32.5% | $4,297-20.6% |
| Admin fee / account holder | $1,324 | $6,715-80.3% | $8,394-84.2% | $6,935-80.9% |