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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 | $58,627-58.3% | $76,735-68.2% | $82,448-70.4% |
| Participation rate | 87.5% | 63.2%+24.3pp | 69.5%+18.0pp | 68.1%+19.4pp |
| Annual return | 13.83% | 39.10%-25.3pp | 29.77%-15.9pp | 41.64%-27.8pp |
| Employer contribution / active EE | $1,621 | $1,729-6.3% | $2,454-34.0% | $2,551-36.5% |
| Participant deferral / active EE | $2,508 | $3,134-19.9% | $4,088-38.6% | $4,139-39.4% |
| Admin fee / account holder | $7,103 | $5,323+33.5% | $7,189-1.2% | $7,234-1.8% |