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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 | $21,311 | $72,269-70.5% | $101,271-79.0% | $79,852-73.3% |
| Participation rate | 91.7% | 68.5%+23.2pp | 75.8%+15.9pp | 69.6%+22.0pp |
| Annual return | 16.67% | 22.29%-5.6pp | 46.48%-29.8pp | 31.72%-15.0pp |
| Employer contribution / active EE | $3,217 | $2,692+19.5% | $3,660-12.1% | $2,471+30.2% |
| Participant deferral / active EE | $4,203 | $3,282+28.1% | $4,371-3.8% | $3,740+12.4% |
| Admin fee / account holder | $1,141 | $4,401-74.1% | $5,948-80.8% | $5,306-78.5% |