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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 | $26,342 | $75,541-65.1% | $152,093-82.7% | $82,637-68.1% |
| Participation rate | 89.7% | 66.5%+23.1pp | 77.8%+11.9pp | 68.1%+21.6pp |
| Annual return | 17.13% | 32.56%-15.4pp | 66.36%-49.2pp | 53.51%-36.4pp |
| Employer contribution / active EE | $2,454 | $2,622-6.4% | $4,175-41.2% | $2,552-3.9% |
| Participant deferral / active EE | $2,240 | $3,206-30.1% | $5,451-58.9% | $4,126-45.7% |
| Admin fee / account holder | $6,181 | $6,405-3.5% | $14,497-57.4% | $7,339-15.8% |