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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 | $23,670 | $99,345-76.2% | $84,753-72.1% | $273,972-91.4% |
| Participation rate | 92.9% | 80.7%+12.2pp | 76.6%+16.3pp | 83.0%+9.8pp |
| Annual return | 5.47% | 22.93%-17.5pp | 22.78%-17.3pp | 41.46%-36.0pp |
| Employer contribution / active EE | $6,882 | $4,214+63.3% | $3,574+92.5% | $4,869+41.4% |
| Participant deferral / active EE | $5,208 | $4,270+22.0% | $3,712+40.3% | $5,287-1.5% |
| Admin fee / account holder | $996 | $6,645-85.0% | $5,333-81.3% | $10,133-90.2% |