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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 | $22,020 | $64,517-65.9% | $81,438-73.0% | $80,874-72.8% |
| Participation rate | 90.6% | 63.9%+26.7pp | 69.5%+21.1pp | 67.6%+23.0pp |
| Annual return | 14.71% | 16.35%-1.6pp | 24.74%-10.0pp | 35.62%-20.9pp |
| Employer contribution / active EE | $1,670 | $1,982-15.7% | $2,460-32.1% | $2,756-39.4% |
| Participant deferral / active EE | $3,021 | $3,096-2.4% | $3,883-22.2% | $4,297-29.7% |
| Admin fee / account holder | $1,672 | $5,677-70.6% | $5,764-71.0% | $6,935-75.9% |