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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 | $26,586 | $93,617-71.6% | $135,982-80.4% | $75,177-64.6% |
| Participation rate | 95.6% | 75.2%+20.4pp | 81.9%+13.6pp | 67.2%+28.4pp |
| Annual return | 24.05% | 30.89%-6.8pp | 68.32%-44.3pp | 160.75%-136.7pp |
| Employer contribution / active EE | $2,727 | $3,538-22.9% | $4,859-43.9% | $2,671+2.1% |
| Participant deferral / active EE | $5,611 | $6,406-12.4% | $7,760-27.7% | $4,126+36.0% |
| Admin fee / account holder | $1,287 | $6,980-81.6% | $10,767-88.0% | $5,651-77.2% |