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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 | $24,855 | $81,476-69.5% | $102,383-75.7% | $80,925-69.3% |
| Participation rate | 84.0% | 66.8%+17.2pp | 74.5%+9.5pp | 67.7%+16.3pp |
| Annual return | 14.27% | 25.59%-11.3pp | 24.94%-10.7pp | 35.65%-21.4pp |
| Employer contribution / active EE | $2,388 | $3,105-23.1% | $3,870-38.3% | $2,756-13.4% |
| Participant deferral / active EE | $4,231 | $3,871+9.3% | $5,060-16.4% | $4,299-1.6% |
| Admin fee / account holder | $331 | $6,717-95.1% | $8,391-96.1% | $6,940-95.2% |