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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 | $37,647 | $73,787-49.0% | $98,716-61.9% | $82,448-54.3% |
| Participation rate | 75.5% | 61.4%+14.1pp | 69.3%+6.2pp | 68.1%+7.4pp |
| Annual return | 16.35% | 18.57%-2.2pp | 31.81%-15.5pp | 41.64%-25.3pp |
| Employer contribution / active EE | $1,031 | $1,511-31.8% | $2,279-54.8% | $2,551-59.6% |
| Participant deferral / active EE | $6,212 | $3,081+101.6% | $4,048+53.5% | $4,139+50.1% |
| Admin fee / account holder | $3,127 | $6,500-51.9% | $8,703-64.1% | $7,234-56.8% |