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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 | $13,697 | $75,720-81.9% | $90,312-84.8% | $86,983-84.3% |
| Participation rate | 93.0% | 66.3%+26.8pp | 72.9%+20.1pp | 69.5%+23.5pp |
| Annual return | 26.06% | 18.55%+7.5pp | 18.90%+7.2pp | 25.83%+0.2pp |
| Employer contribution / active EE | $1,697 | $1,945-12.8% | $2,243-24.3% | $2,584-34.3% |
| Participant deferral / active EE | $3,647 | $3,001+21.5% | $3,749-2.7% | $4,194-13.0% |
| Admin fee / account holder | $1,015 | $6,201-83.6% | $8,248-87.7% | $7,856-87.1% |