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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 | $39,847 | $71,878-44.6% | $86,698-54.0% | $68,486-41.8% |
| Participation rate | 78.1% | 72.2%+5.9pp | 76.6%+1.5pp | 67.9%+10.2pp |
| Annual return | 3.44% | 3.53%-0.1pp | 35.95%-32.5pp | -7.85%+11.3pp |
| Employer contribution / active EE | $3,351 | $2,173+54.2% | $2,837+18.1% | $2,597+29.0% |
| Participant deferral / active EE | $2,329 | $3,779-38.4% | $4,656-50.0% | $4,028-42.2% |
| Admin fee / account holder | $1,105 | $6,113-81.9% | $7,493-85.2% | $5,404-79.5% |