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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 | $23,890 | $78,690-69.6% | $161,489-85.2% | $87,485-72.7% |
| Participation rate | 89.7% | 67.5%+22.2pp | 78.7%+11.0pp | 68.9%+20.8pp |
| Annual return | 14.89% | 32.74%-17.8pp | 89.72%-74.8pp | 26.06%-11.2pp |
| Employer contribution / active EE | $2,048 | $2,588-20.9% | $4,268-52.0% | $2,596-21.1% |
| Participant deferral / active EE | $3,588 | $3,311+8.4% | $5,630-36.3% | $4,274-16.0% |
| Admin fee / account holder | $2,105 | $6,724-68.7% | $16,006-86.9% | $7,775-72.9% |