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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 | $77,814-66.1% | $158,223-83.4% | $86,983-69.7% |
| Participation rate | 89.7% | 68.4%+21.2pp | 79.2%+10.5pp | 69.5%+20.1pp |
| Annual return | 17.13% | 30.54%-13.4pp | 52.09%-35.0pp | 25.83%-8.7pp |
| Employer contribution / active EE | $2,454 | $2,592-5.3% | $4,109-40.3% | $2,584-5.1% |
| Participant deferral / active EE | $2,240 | $3,270-31.5% | $5,467-59.0% | $4,194-46.6% |
| Admin fee / account holder | $6,181 | $5,879+5.1% | $16,047-61.5% | $7,856-21.3% |