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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 | $36,630 | $67,602-45.8% | $82,312-55.5% | $70,126-47.8% |
| Participation rate | 93.5% | 72.8%+20.7pp | 76.9%+16.6pp | 69.5%+24.0pp |
| Annual return | 13.43% | 21.57%-8.1pp | 25.88%-12.5pp | 73.15%-59.7pp |
| Employer contribution / active EE | $1,301 | $1,755-25.9% | $2,428-46.4% | $2,343-44.5% |
| Participant deferral / active EE | $2,002 | $2,987-33.0% | $3,706-46.0% | $3,332-39.9% |
| Admin fee / account holder | $1,094 | $4,512-75.8% | $5,608-80.5% | $4,645-76.5% |