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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 | $20,288 | $65,712-69.1% | $57,196-64.5% | $273,972-92.6% |
| Participation rate | 93.3% | 78.3%+15.0pp | 75.3%+18.0pp | 83.0%+10.3pp |
| Annual return | 6.85% | 22.01%-15.2pp | 14.59%-7.7pp | 41.46%-34.6pp |
| Employer contribution / active EE | $4,118 | $3,280+25.5% | $2,683+53.5% | $4,869-15.4% |
| Participant deferral / active EE | $2,156 | $3,782-43.0% | $3,096-30.4% | $5,287-59.2% |
| Admin fee / account holder | $1,103 | $4,838-77.2% | $3,141-64.9% | $10,133-89.1% |