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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 | $26,264 | $37,446-29.9% | $77,513-66.1% | $79,852-67.1% |
| Participation rate | 75.0% | 41.5%+33.5pp | 54.2%+20.8pp | 69.6%+5.4pp |
| Annual return | 22.51% | 39.76%-17.2pp | 54.81%-32.3pp | 31.72%-9.2pp |
| Employer contribution / active EE | $804 | $637+26.3% | $987-18.5% | $2,471-67.4% |
| Participant deferral / active EE | $1,225 | $1,261-2.8% | $1,861-34.2% | $3,740-67.2% |
| Admin fee / account holder | $2,111 | $2,506-15.8% | $2,859-26.2% | $5,306-60.2% |