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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 | $78,013-27.1% | $178,449-68.1% | $80,911-29.7% |
| Participation rate | 84.4% | 65.7%+18.7pp | 77.1%+7.3pp | 67.6%+16.7pp |
| Annual return | 13.98% | 18.07%-4.1pp | 27.09%-13.1pp | 35.63%-21.6pp |
| Employer contribution / active EE | $1,089 | $2,287-52.4% | $3,951-72.4% | $2,756-60.5% |
| Participant deferral / active EE | $3,410 | $4,408-22.6% | $6,277-45.7% | $4,297-20.6% |
| Admin fee / account holder | $3,728 | $7,166-48.0% | $10,362-64.0% | $6,935-46.2% |