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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 | $18,028 | $69,444-74.0% | $92,985-80.6% | $87,485-79.4% |
| Participation rate | 96.3% | 63.3%+33.0pp | 69.5%+26.8pp | 68.9%+27.4pp |
| Annual return | 15.78% | 23.85%-8.1pp | 27.99%-12.2pp | 26.06%-10.3pp |
| Employer contribution / active EE | $1,457 | $1,917-24.0% | $2,662-45.3% | $2,596-43.9% |
| Participant deferral / active EE | $2,880 | $3,364-14.4% | $4,377-34.2% | $4,274-32.6% |
| Admin fee / account holder | $648 | $6,137-89.4% | $9,463-93.2% | $7,775-91.7% |