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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 | $27,386 | $81,504-66.4% | $102,437-73.3% | $80,959-66.2% |
| Participation rate | 84.1% | 66.9%+17.2pp | 74.5%+9.6pp | 67.7%+16.4pp |
| Annual return | 15.68% | 25.60%-9.9pp | 24.95%-9.3pp | 35.67%-20.0pp |
| Employer contribution / active EE | $2,489 | $3,104-19.8% | $3,871-35.7% | $2,757-9.7% |
| Participant deferral / active EE | $3,983 | $3,871+2.9% | $5,060-21.3% | $4,300-7.4% |
| Admin fee / account holder | $1,265 | $6,719-81.2% | $8,388-84.9% | $6,925-81.7% |