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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 | $25,698 | $81,446-68.4% | $103,374-75.1% | $80,874-68.2% |
| Participation rate | 91.1% | 66.9%+24.3pp | 74.5%+16.6pp | 67.6%+23.5pp |
| Annual return | 16.24% | 25.57%-9.3pp | 24.89%-8.6pp | 35.62%-19.4pp |
| Employer contribution / active EE | $2,101 | $3,107-32.4% | $3,869-45.7% | $2,756-23.8% |
| Participant deferral / active EE | $4,834 | $3,870+24.9% | $5,058-4.4% | $4,297+12.5% |
| Admin fee / account holder | $951 | $6,715-85.8% | $8,394-88.7% | $6,935-86.3% |