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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 | $44,717 | $99,345-55.0% | $84,753-47.2% | $273,972-83.7% |
| Participation rate | 90.9% | 80.7%+10.2pp | 76.6%+14.3pp | 83.0%+7.9pp |
| Annual return | 2.57% | 22.93%-20.4pp | 22.78%-20.2pp | 41.46%-38.9pp |
| Employer contribution / active EE | $1,839 | $4,214-56.4% | $3,574-48.6% | $4,869-62.2% |
| Participant deferral / active EE | $1,931 | $4,270-54.8% | $3,712-48.0% | $5,287-63.5% |
| Admin fee / account holder | $9,836 | $6,645+48.0% | $5,333+84.4% | $10,133-2.9% |