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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 | $38,083 | $49,025-22.3% | $87,502-56.5% | $62,881-39.4% |
| Participation rate | 77.1% | 64.9%+12.2pp | 73.8%+3.2pp | 69.3%+7.8pp |
| Annual return | 11.40% | 10.02%+1.4pp | 12.21%-0.8pp | 20.14%-8.7pp |
| Employer contribution / active EE | $1,091 | $1,372-20.5% | $2,550-57.2% | $2,281-52.2% |
| Participant deferral / active EE | $2,652 | $2,289+15.9% | $3,149-15.8% | $3,203-17.2% |
| Admin fee / account holder | $521 | $4,065-87.2% | $4,221-87.7% | $4,296-87.9% |