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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 | $28,245 | $76,834-63.2% | $108,359-73.9% | $87,485-67.7% |
| Participation rate | 81.3% | 61.7%+19.5pp | 70.1%+11.1pp | 68.9%+12.3pp |
| Annual return | 14.53% | 19.09%-4.6pp | 36.89%-22.4pp | 26.06%-11.5pp |
| Employer contribution / active EE | $2,132 | $1,556+37.0% | $2,399-11.2% | $2,596-17.9% |
| Participant deferral / active EE | $2,184 | $3,100-29.6% | $4,137-47.2% | $4,274-48.9% |
| Admin fee / account holder | $531 | $6,537-91.9% | $9,741-94.6% | $7,775-93.2% |