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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 | $27,374 | $63,773-57.1% | $81,286-66.3% | $80,925-66.2% |
| Participation rate | 97.7% | 63.9%+33.8pp | 69.5%+28.2pp | 67.7%+30.0pp |
| Annual return | 11.24% | 16.37%-5.1pp | 24.80%-13.6pp | 35.65%-24.4pp |
| Employer contribution / active EE | $2,937 | $1,979+48.4% | $2,463+19.2% | $2,756+6.5% |
| Participant deferral / active EE | $5,655 | $3,093+82.8% | $3,883+45.6% | $4,299+31.6% |
| Admin fee / account holder | $1,021 | $5,682-82.0% | $5,764-82.3% | $6,940-85.3% |