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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 | $86,949-61.2% | $102,460-67.1% | $80,959-58.3% |
| Participation rate | 82.4% | 72.4%+10.0pp | 76.5%+5.8pp | 67.7%+14.7pp |
| Annual return | 11.77% | 18.89%-7.1pp | 29.47%-17.7pp | 35.67%-23.9pp |
| Employer contribution / active EE | $1,709 | $2,370-27.9% | $3,025-43.5% | $2,757-38.0% |
| Participant deferral / active EE | $3,812 | $4,121-7.5% | $5,056-24.6% | $4,300-11.4% |
| Admin fee / account holder | $3,132 | $8,048-61.1% | $9,460-66.9% | $6,925-54.8% |