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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 | $27,543 | $76,551-64.0% | $123,894-77.8% | $62,881-56.2% |
| Participation rate | 94.3% | 73.0%+21.3pp | 81.4%+12.9pp | 69.3%+25.0pp |
| Annual return | 8.41% | 18.68%-10.3pp | 47.52%-39.1pp | 20.14%-11.7pp |
| Employer contribution / active EE | $1,954 | $2,882-32.2% | $4,617-57.7% | $2,281-14.4% |
| Participant deferral / active EE | $5,043 | $4,840+4.2% | $5,984-15.7% | $3,203+57.4% |
| Admin fee / account holder | $517 | $4,826-89.3% | $8,357-93.8% | $4,296-88.0% |