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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 | $22,300 | $73,940-69.8% | $96,496-76.9% | $75,173-70.3% |
| Participation rate | 82.8% | 66.4%+16.3pp | 74.3%+8.4pp | 67.2%+15.6pp |
| Annual return | 23.80% | 26.71%-2.9pp | 35.70%-11.9pp | 160.65%-136.9pp |
| Employer contribution / active EE | $2,051 | $2,929-30.0% | $3,738-45.1% | $2,670-23.2% |
| Participant deferral / active EE | $2,524 | $3,659-31.0% | $4,879-48.3% | $4,126-38.8% |
| Admin fee / account holder | $1,582 | $5,216-69.7% | $6,731-76.5% | $5,651-72.0% |