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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 | $18,671 | $58,627-68.2% | $76,735-75.7% | $82,448-77.4% |
| Participation rate | 92.3% | 63.2%+29.1pp | 69.5%+22.8pp | 68.1%+24.2pp |
| Annual return | 18.01% | 39.10%-21.1pp | 29.77%-11.8pp | 41.64%-23.6pp |
| Employer contribution / active EE | $3,460 | $1,729+100.1% | $2,454+41.0% | $2,551+35.6% |
| Participant deferral / active EE | $5,311 | $3,134+69.5% | $4,088+29.9% | $4,139+28.3% |
| Admin fee / account holder | $3,030 | $5,323-43.1% | $7,189-57.9% | $7,234-58.1% |