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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 | $86,050-69.4% | $189,758-86.1% | $94,015-72.0% |
| Participation rate | 89.7% | 68.9%+20.8pp | 79.8%+9.9pp | 70.8%+18.8pp |
| Annual return | 17.13% | 17.77%-0.6pp | 52.62%-35.5pp | 17.84%-0.7pp |
| Employer contribution / active EE | $2,454 | $2,819-13.0% | $4,767-48.5% | $2,790-12.1% |
| Participant deferral / active EE | $2,240 | $3,349-33.1% | $5,856-61.7% | $4,249-47.3% |
| Admin fee / account holder | $6,181 | $6,627-6.7% | $20,388-69.7% | $8,951-30.9% |