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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 | $56,856 | $78,015-27.1% | $178,505-68.1% | $80,959-29.8% |
| Participation rate | 84.4% | 65.7%+18.7pp | 77.1%+7.3pp | 67.7%+16.7pp |
| Annual return | 13.98% | 18.10%-4.1pp | 27.16%-13.2pp | 35.67%-21.7pp |
| Employer contribution / active EE | $1,089 | $2,281-52.3% | $3,955-72.5% | $2,757-60.5% |
| Participant deferral / active EE | $3,410 | $4,406-22.6% | $6,280-45.7% | $4,300-20.7% |
| Admin fee / account holder | $3,728 | $7,160-47.9% | $10,428-64.3% | $6,925-46.2% |