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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 | $31,377 | $81,504-61.5% | $102,437-69.4% | $80,959-61.2% |
| Participation rate | 78.8% | 66.9%+11.9pp | 74.5%+4.3pp | 67.7%+11.1pp |
| Annual return | 12.87% | 25.60%-12.7pp | 24.95%-12.1pp | 35.67%-22.8pp |
| Employer contribution / active EE | $1,595 | $3,104-48.6% | $3,871-58.8% | $2,757-42.1% |
| Participant deferral / active EE | $5,037 | $3,871+30.1% | $5,060-0.5% | $4,300+17.1% |
| Admin fee / account holder | $715 | $6,719-89.4% | $8,388-91.5% | $6,925-89.7% |