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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 | $39,372 | $56,894-30.8% | $84,753-53.5% | $62,881-37.4% |
| Participation rate | 79.4% | 68.5%+10.9pp | 76.6%+2.8pp | 69.3%+10.1pp |
| Annual return | 7.78% | 6.30%+1.5pp | 22.78%-15.0pp | 20.14%-12.4pp |
| Employer contribution / active EE | $2,547 | $2,400+6.1% | $3,574-28.7% | $2,281+11.7% |
| Participant deferral / active EE | $1,840 | $2,709-32.1% | $3,712-50.4% | $3,203-42.5% |
| Admin fee / account holder | $991 | $3,581-72.3% | $5,333-81.4% | $4,296-76.9% |