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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 | $26,583 | $67,602-60.7% | $82,312-67.7% | $70,126-62.1% |
| Participation rate | 89.6% | 72.8%+16.8pp | 76.9%+12.7pp | 69.5%+20.0pp |
| Annual return | 19.03% | 21.57%-2.5pp | 25.88%-6.8pp | 73.15%-54.1pp |
| Employer contribution / active EE | $1,357 | $1,755-22.7% | $2,428-44.1% | $2,343-42.1% |
| Participant deferral / active EE | $3,147 | $2,987+5.3% | $3,706-15.1% | $3,332-5.6% |
| Admin fee / account holder | $2,908 | $4,512-35.5% | $5,608-48.1% | $4,645-37.4% |