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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 | $41,577 | $106,524-61.0% | $152,301-72.7% | $87,485-52.5% |
| Participation rate | 82.8% | 75.8%+7.0pp | 82.4%+0.3pp | 68.9%+13.8pp |
| Annual return | 14.98% | 26.89%-11.9pp | 80.50%-65.5pp | 26.06%-11.1pp |
| Employer contribution / active EE | $2,233 | $3,371-33.8% | $4,624-51.7% | $2,596-14.0% |
| Participant deferral / active EE | $3,777 | $6,525-42.1% | $8,004-52.8% | $4,274-11.6% |
| Admin fee / account holder | $9,110 | $8,287+9.9% | $14,398-36.7% | $7,775+17.2% |