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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 | $17,620 | $64,920-72.9% | $103,693-83.0% | $86,983-79.7% |
| Participation rate | 92.9% | 63.6%+29.3pp | 72.6%+20.2pp | 69.5%+23.3pp |
| Annual return | 20.69% | 30.29%-9.6pp | 47.61%-26.9pp | 25.83%-5.1pp |
| Employer contribution / active EE | $1,631 | $2,141-23.8% | $2,920-44.1% | $2,584-36.9% |
| Participant deferral / active EE | $3,777 | $3,241+16.5% | $4,579-17.5% | $4,194-9.9% |
| Admin fee / account holder | $1,177 | $6,191-81.0% | $7,858-85.0% | $7,856-85.0% |