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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 | $35,558 | $39,132-9.1% | $57,196-37.8% | $62,881-43.5% |
| Participation rate | 95.7% | 70.5%+25.2pp | 75.3%+20.3pp | 69.3%+26.3pp |
| Annual return | 8.23% | 9.24%-1.0pp | 14.59%-6.4pp | 20.14%-11.9pp |
| Employer contribution / active EE | $1,266 | $1,874-32.4% | $2,683-52.8% | $2,281-44.5% |
| Participant deferral / active EE | $3,282 | $2,374+38.2% | $3,096+6.0% | $3,203+2.5% |
| Admin fee / account holder | $912 | $2,594-64.9% | $3,141-71.0% | $4,296-78.8% |