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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 | $24,427 | $69,444-64.8% | $92,985-73.7% | $87,485-72.1% |
| Participation rate | 87.5% | 63.3%+24.2pp | 69.5%+18.0pp | 68.9%+18.6pp |
| Annual return | 13.83% | 23.85%-10.0pp | 27.99%-14.2pp | 26.06%-12.2pp |
| Employer contribution / active EE | $1,621 | $1,917-15.4% | $2,662-39.1% | $2,596-37.6% |
| Participant deferral / active EE | $2,508 | $3,364-25.4% | $4,377-42.7% | $4,274-41.3% |
| Admin fee / account holder | $7,103 | $6,137+15.7% | $9,463-24.9% | $7,775-8.6% |