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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 | $23,153 | $77,574-70.2% | $108,753-78.7% | $86,983-73.4% |
| Participation rate | 89.3% | 62.3%+27.0pp | 71.1%+18.2pp | 69.5%+19.7pp |
| Annual return | 12.50% | 18.42%-5.9pp | 37.47%-25.0pp | 25.83%-13.3pp |
| Employer contribution / active EE | $4,487 | $1,611+178.6% | $2,427+84.9% | $2,584+73.6% |
| Participant deferral / active EE | $2,013 | $3,128-35.6% | $4,115-51.1% | $4,194-52.0% |
| Admin fee / account holder | $3,633 | $6,529-44.4% | $10,320-64.8% | $7,856-53.8% |