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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 | $26,661 | $72,492-63.2% | $87,104-69.4% | $72,975-63.5% |
| Participation rate | 91.7% | 72.8%+18.9pp | 76.9%+14.8pp | 69.5%+22.2pp |
| Annual return | 23.96% | 24.46%-0.5pp | 28.19%-4.2pp | 81.01%-57.1pp |
| Employer contribution / active EE | $2,729 | $1,894+44.1% | $2,521+8.2% | $2,440+11.9% |
| Participant deferral / active EE | $5,362 | $3,270+64.0% | $4,048+32.4% | $3,608+48.6% |
| Admin fee / account holder | $572 | $5,055-88.7% | $7,491-92.4% | $5,124-88.8% |