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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 | $27,301 | $81,476-66.5% | $102,383-73.3% | $80,925-66.3% |
| Participation rate | 98.2% | 66.8%+31.4pp | 74.5%+23.7pp | 67.7%+30.6pp |
| Annual return | 14.82% | 25.59%-10.8pp | 24.94%-10.1pp | 35.65%-20.8pp |
| Employer contribution / active EE | $2,835 | $3,105-8.7% | $3,870-26.8% | $2,756+2.9% |
| Participant deferral / active EE | $4,692 | $3,871+21.2% | $5,060-7.3% | $4,299+9.1% |
| Admin fee / account holder | $806 | $6,717-88.0% | $8,391-90.4% | $6,940-88.4% |