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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 | $26,307 | $64,359-59.1% | $90,161-70.8% | $70,126-62.5% |
| Participation rate | 80.0% | 70.4%+9.6pp | 76.9%+3.1pp | 69.5%+10.5pp |
| Annual return | 21.23% | 28.13%-6.9pp | 34.89%-13.7pp | 73.15%-51.9pp |
| Employer contribution / active EE | $2,962 | $2,046+44.8% | $3,318-10.7% | $2,343+26.4% |
| Participant deferral / active EE | $6,075 | $4,389+38.4% | $5,287+14.9% | $3,332+82.3% |
| Admin fee / account holder | $734 | $3,945-81.4% | $5,943-87.6% | $4,645-84.2% |