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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 | $20,892 | $73,988-71.8% | $96,538-78.4% | $75,177-72.2% |
| Participation rate | 94.4% | 66.4%+28.0pp | 74.3%+20.1pp | 67.2%+27.2pp |
| Annual return | 19.75% | 26.73%-7.0pp | 35.74%-16.0pp | 160.75%-141.0pp |
| Employer contribution / active EE | $2,662 | $2,930-9.1% | $3,740-28.8% | $2,671-0.3% |
| Participant deferral / active EE | $2,492 | $3,660-31.9% | $4,880-48.9% | $4,126-39.6% |
| Admin fee / account holder | $511 | $5,220-90.2% | $6,737-92.4% | $5,651-91.0% |