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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 | $18,869 | $72,012-73.8% | $185,827-89.8% | $79,858-76.4% |
| Participation rate | 71.8% | 65.8%+6.0pp | 78.0%-6.2pp | 69.6%+2.2pp |
| Annual return | 24.29% | 23.12%+1.2pp | 35.96%-11.7pp | 31.72%-7.4pp |
| Employer contribution / active EE | $2,129 | $1,965+8.4% | $4,087-47.9% | $2,471-13.8% |
| Participant deferral / active EE | $2,940 | $3,779-22.2% | $5,633-47.8% | $3,740-21.4% |
| Admin fee / account holder | $4,239 | $4,513-6.1% | $9,502-55.4% | $5,306-20.1% |