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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 | $25,213 | $81,457-69.0% | $103,378-75.6% | $80,911-68.8% |
| Participation rate | 92.7% | 66.8%+25.8pp | 74.5%+18.2pp | 67.6%+25.0pp |
| Annual return | 19.05% | 25.58%-6.5pp | 24.91%-5.9pp | 35.63%-16.6pp |
| Employer contribution / active EE | $2,007 | $3,107-35.4% | $3,870-48.2% | $2,756-27.2% |
| Participant deferral / active EE | $3,126 | $3,871-19.2% | $5,058-38.2% | $4,297-27.3% |
| Admin fee / account holder | $2,423 | $6,717-63.9% | $8,401-71.2% | $6,935-65.1% |