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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 | $74,535-67.5% | $100,712-75.9% | $82,637-70.6% |
| Participation rate | 76.9% | 61.2%+15.7pp | 69.3%+7.6pp | 68.1%+8.9pp |
| Annual return | 20.02% | 18.92%+1.1pp | 33.27%-13.2pp | 53.51%-33.5pp |
| Employer contribution / active EE | $1,819 | $1,503+21.0% | $2,313-21.4% | $2,552-28.7% |
| Participant deferral / active EE | $4,358 | $3,074+41.8% | $4,085+6.7% | $4,126+5.6% |
| Admin fee / account holder | $1,153 | $6,576-82.5% | $9,256-87.5% | $7,339-84.3% |