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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 | $23,937 | $77,574-69.1% | $108,753-78.0% | $86,983-72.5% |
| Participation rate | 90.1% | 62.3%+27.8pp | 71.1%+19.0pp | 69.5%+20.6pp |
| Annual return | 22.49% | 18.42%+4.1pp | 37.47%-15.0pp | 25.83%-3.3pp |
| Employer contribution / active EE | $1,437 | $1,611-10.8% | $2,427-40.8% | $2,584-44.4% |
| Participant deferral / active EE | $2,653 | $3,128-15.2% | $4,115-35.5% | $4,194-36.7% |
| Admin fee / account holder | $790 | $6,529-87.9% | $10,320-92.3% | $7,856-89.9% |