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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 | $19,516 | $58,627-66.7% | $76,735-74.6% | $82,448-76.3% |
| Participation rate | 93.9% | 63.2%+30.7pp | 69.5%+24.4pp | 68.1%+25.8pp |
| Annual return | 21.22% | 39.10%-17.9pp | 29.77%-8.5pp | 41.64%-20.4pp |
| Employer contribution / active EE | $1,725 | $1,729-0.2% | $2,454-29.7% | $2,551-32.4% |
| Participant deferral / active EE | $3,987 | $3,134+27.2% | $4,088-2.5% | $4,139-3.7% |
| Admin fee / account holder | $1,578 | $5,323-70.4% | $7,189-78.1% | $7,234-78.2% |