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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 | $63,845-65.5% | $81,370-72.9% | $80,959-72.8% |
| Participation rate | 90.6% | 63.9%+26.7pp | 69.5%+21.1pp | 67.7%+23.0pp |
| Annual return | 14.71% | 16.37%-1.7pp | 24.85%-10.1pp | 35.67%-21.0pp |
| Employer contribution / active EE | $1,670 | $1,980-15.6% | $2,464-32.2% | $2,757-39.4% |
| Participant deferral / active EE | $3,021 | $3,093-2.3% | $3,885-22.2% | $4,300-29.7% |
| Admin fee / account holder | $1,672 | $5,688-70.6% | $5,749-70.9% | $6,925-75.9% |