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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 | $33,759 | $86,922-61.2% | $102,438-67.0% | $80,874-58.3% |
| Participation rate | 82.4% | 72.4%+10.0pp | 76.5%+5.9pp | 67.6%+14.7pp |
| Annual return | 11.77% | 18.90%-7.1pp | 29.37%-17.6pp | 35.62%-23.9pp |
| Employer contribution / active EE | $1,709 | $2,369-27.9% | $3,024-43.5% | $2,756-38.0% |
| Participant deferral / active EE | $3,812 | $4,119-7.5% | $5,054-24.6% | $4,297-11.3% |
| Admin fee / account holder | $3,132 | $8,050-61.1% | $9,448-66.8% | $6,935-54.8% |