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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 | $19,207 | $56,287-65.9% | $80,977-76.3% | $62,881-69.5% |
| Participation rate | 78.6% | 68.9%+9.6pp | 75.8%+2.8pp | 69.3%+9.3pp |
| Annual return | 12.42% | 22.13%-9.7pp | 17.11%-4.7pp | 20.14%-7.7pp |
| Employer contribution / active EE | $2,778 | $1,943+43.0% | $3,715-25.2% | $2,281+21.8% |
| Participant deferral / active EE | $6,503 | $4,196+55.0% | $5,696+14.2% | $3,203+103.0% |
| Admin fee / account holder | $2,592 | $3,742-30.7% | $5,517-53.0% | $4,296-39.6% |