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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 | $21,075 | $48,078-56.2% | $78,676-73.2% | $62,881-66.5% |
| Participation rate | 88.9% | 65.2%+23.7pp | 73.6%+15.3pp | 69.3%+19.6pp |
| Annual return | 6.49% | 31.36%-24.9pp | 62.19%-55.7pp | 20.14%-13.7pp |
| Employer contribution / active EE | $2,128 | $2,015+5.6% | $2,850-25.3% | $2,281-6.7% |
| Participant deferral / active EE | $830 | $2,587-67.9% | $3,517-76.4% | $3,203-74.1% |
| Admin fee / account holder | $429 | $3,206-86.6% | $4,510-90.5% | $4,296-90.0% |