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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 | $43,535 | $77,962-44.2% | $178,540-75.6% | $80,935-46.2% |
| Participation rate | 93.6% | 65.7%+28.0pp | 77.1%+16.5pp | 67.7%+26.0pp |
| Annual return | 21.80% | 18.10%+3.7pp | 27.15%-5.3pp | 35.66%-13.9pp |
| Employer contribution / active EE | $1,466 | $2,280-35.7% | $3,953-62.9% | $2,757-46.8% |
| Participant deferral / active EE | $3,871 | $4,404-12.1% | $6,281-38.4% | $4,299-10.0% |
| Admin fee / account holder | $1,781 | $7,156-75.1% | $10,424-82.9% | $6,924-74.3% |