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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 | $24,259 | $73,787-67.1% | $98,716-75.4% | $82,448-70.6% |
| Participation rate | 76.9% | 61.4%+15.5pp | 69.3%+7.6pp | 68.1%+8.9pp |
| Annual return | 20.02% | 18.57%+1.5pp | 31.81%-11.8pp | 41.64%-21.6pp |
| Employer contribution / active EE | $1,819 | $1,511+20.3% | $2,279-20.2% | $2,551-28.7% |
| Participant deferral / active EE | $4,358 | $3,081+41.4% | $4,048+7.7% | $4,139+5.3% |
| Admin fee / account holder | $1,153 | $6,500-82.3% | $8,703-86.8% | $7,234-84.1% |