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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 | $21,306 | $124,425-82.9% | $112,040-81.0% | $137,256-84.5% |
| Participation rate | 87.5% | 79.3%+8.2pp | 76.5%+11.0pp | 80.0%+7.5pp |
| Annual return | 19.48% | 24.72%-5.2pp | 24.52%-5.0pp | 220.34%-200.9pp |
| Employer contribution / active EE | $1,383 | $3,411-59.5% | $2,954-53.2% | $4,156-66.7% |
| Participant deferral / active EE | $6,913 | $5,718+20.9% | $5,098+35.6% | $6,407+7.9% |
| Admin fee / account holder | $2,949 | $15,207-80.6% | $12,098-75.6% | $12,270-76.0% |