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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 | $22,191 | $93,617-76.3% | $135,982-83.7% | $75,177-70.5% |
| Participation rate | 93.5% | 75.2%+18.3pp | 81.9%+11.6pp | 67.2%+26.3pp |
| Annual return | 19.46% | 30.89%-11.4pp | 68.32%-48.9pp | 160.75%-141.3pp |
| Employer contribution / active EE | $1,959 | $3,538-44.6% | $4,859-59.7% | $2,671-26.7% |
| Participant deferral / active EE | $4,176 | $6,406-34.8% | $7,760-46.2% | $4,126+1.2% |
| Admin fee / account holder | $1,852 | $6,980-73.5% | $10,767-82.8% | $5,651-67.2% |