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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 | $21,462 | $77,962-72.5% | $178,540-88.0% | $80,935-73.5% |
| Participation rate | 96.8% | 65.7%+31.1pp | 77.1%+19.7pp | 67.7%+29.1pp |
| Annual return | 10.95% | 18.10%-7.1pp | 27.15%-16.2pp | 35.66%-24.7pp |
| Employer contribution / active EE | $1,431 | $2,280-37.3% | $3,953-63.8% | $2,757-48.1% |
| Participant deferral / active EE | $3,047 | $4,404-30.8% | $6,281-51.5% | $4,299-29.1% |
| Admin fee / account holder | $5,448 | $7,156-23.9% | $10,424-47.7% | $6,924-21.3% |