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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 | $20,225 | $63,773-68.3% | $81,286-75.1% | $80,925-75.0% |
| Participation rate | 80.6% | 63.9%+16.6pp | 69.5%+11.0pp | 67.7%+12.9pp |
| Annual return | 19.38% | 16.37%+3.0pp | 24.80%-5.4pp | 35.65%-16.3pp |
| Employer contribution / active EE | $2,721 | $1,979+37.5% | $2,463+10.5% | $2,756-1.3% |
| Participant deferral / active EE | $3,935 | $3,093+27.2% | $3,883+1.3% | $4,299-8.5% |
| Admin fee / account holder | $775 | $5,682-86.4% | $5,764-86.5% | $6,940-88.8% |