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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 | $76,834-69.9% | $108,359-78.6% | $87,485-73.5% |
| Participation rate | 89.3% | 61.7%+27.6pp | 70.1%+19.2pp | 68.9%+20.4pp |
| Annual return | 12.50% | 19.09%-6.6pp | 36.89%-24.4pp | 26.06%-13.6pp |
| Employer contribution / active EE | $4,487 | $1,556+188.3% | $2,399+87.0% | $2,596+72.8% |
| Participant deferral / active EE | $2,013 | $3,100-35.1% | $4,137-51.3% | $4,274-52.9% |
| Admin fee / account holder | $3,633 | $6,537-44.4% | $9,741-62.7% | $7,775-53.3% |