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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 | $29,484 | $73,787-60.0% | $98,716-70.1% | $82,448-64.2% |
| Participation rate | 84.0% | 61.4%+22.6pp | 69.3%+14.7pp | 68.1%+15.9pp |
| Annual return | 17.47% | 18.57%-1.1pp | 31.81%-14.3pp | 41.64%-24.2pp |
| Employer contribution / active EE | $1,393 | $1,511-7.8% | $2,279-38.9% | $2,551-45.4% |
| Participant deferral / active EE | $3,341 | $3,081+8.4% | $4,048-17.4% | $4,139-19.3% |
| Admin fee / account holder | $5,338 | $6,500-17.9% | $8,703-38.7% | $7,234-26.2% |