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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 | $75,541-68.4% | $152,093-84.3% | $82,637-71.1% |
| Participation rate | 89.7% | 66.5%+23.2pp | 77.8%+11.9pp | 68.1%+21.7pp |
| Annual return | 14.89% | 32.56%-17.7pp | 66.36%-51.5pp | 53.51%-38.6pp |
| Employer contribution / active EE | $2,048 | $2,622-21.9% | $4,175-50.9% | $2,552-19.7% |
| Participant deferral / active EE | $3,588 | $3,206+11.9% | $5,451-34.2% | $4,126-13.0% |
| Admin fee / account holder | $2,105 | $6,405-67.1% | $14,497-85.5% | $7,339-71.3% |