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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 | $25,649 | $76,551-66.5% | $123,894-79.3% | $62,881-59.2% |
| Participation rate | 96.6% | 73.0%+23.6pp | 81.4%+15.1pp | 69.3%+27.2pp |
| Annual return | 13.60% | 18.68%-5.1pp | 47.52%-33.9pp | 20.14%-6.5pp |
| Employer contribution / active EE | $885 | $2,882-69.3% | $4,617-80.8% | $2,281-61.2% |
| Participant deferral / active EE | $2,846 | $4,840-41.2% | $5,984-52.4% | $3,203-11.2% |
| Admin fee / account holder | $3,725 | $4,826-22.8% | $8,357-55.4% | $4,296-13.3% |