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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 | $64,517-57.6% | $81,438-66.4% | $80,874-66.2% |
| Participation rate | 97.7% | 63.9%+33.8pp | 69.5%+28.2pp | 67.6%+30.0pp |
| Annual return | 11.24% | 16.35%-5.1pp | 24.74%-13.5pp | 35.62%-24.4pp |
| Employer contribution / active EE | $2,937 | $1,982+48.2% | $2,460+19.4% | $2,756+6.6% |
| Participant deferral / active EE | $5,655 | $3,096+82.7% | $3,883+45.6% | $4,297+31.6% |
| Admin fee / account holder | $1,021 | $5,677-82.0% | $5,764-82.3% | $6,935-85.3% |