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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 | $26,305 | $63,809-58.8% | $81,353-67.7% | $80,935-67.5% |
| Participation rate | 96.8% | 63.9%+32.9pp | 69.5%+27.3pp | 67.7%+29.2pp |
| Annual return | 13.18% | 16.37%-3.2pp | 24.82%-11.6pp | 35.66%-22.5pp |
| Employer contribution / active EE | $2,778 | $1,981+40.3% | $2,464+12.8% | $2,757+0.8% |
| Participant deferral / active EE | $2,308 | $3,093-25.4% | $3,885-40.6% | $4,299-46.3% |
| Admin fee / account holder | $1,989 | $5,686-65.0% | $5,766-65.5% | $6,924-71.3% |