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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 | $28,390 | $81,487-65.2% | $102,412-72.3% | $80,935-64.9% |
| Participation rate | 88.6% | 66.8%+21.8pp | 74.5%+14.1pp | 67.7%+21.0pp |
| Annual return | 12.11% | 25.60%-13.5pp | 24.94%-12.8pp | 35.66%-23.5pp |
| Employer contribution / active EE | $2,026 | $3,103-34.7% | $3,870-47.7% | $2,757-26.5% |
| Participant deferral / active EE | $4,046 | $3,871+4.5% | $5,060-20.0% | $4,299-5.9% |
| Admin fee / account holder | $4,985 | $6,717-25.8% | $8,388-40.6% | $6,924-28.0% |