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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 | $31,387 | $63,809-50.8% | $81,353-61.4% | $80,935-61.2% |
| Participation rate | 94.6% | 63.9%+30.7pp | 69.5%+25.1pp | 67.7%+27.0pp |
| Annual return | 12.29% | 16.37%-4.1pp | 24.82%-12.5pp | 35.66%-23.4pp |
| Employer contribution / active EE | $3,605 | $1,981+82.0% | $2,464+46.3% | $2,757+30.8% |
| Participant deferral / active EE | $3,283 | $3,093+6.2% | $3,885-15.5% | $4,299-23.6% |
| Admin fee / account holder | $4,788 | $5,686-15.8% | $5,766-17.0% | $6,924-30.8% |