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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 | $21,777 | $58,523-62.8% | $99,475-78.1% | $72,975-70.2% |
| Participation rate | 100.0% | 64.6%+35.4pp | 73.8%+26.2pp | 69.5%+30.5pp |
| Annual return | 25.29% | 28.51%-3.2pp | 30.72%-5.4pp | 81.01%-55.7pp |
| Employer contribution / active EE | $1,844 | $1,512+21.9% | $2,540-27.4% | $2,440-24.4% |
| Participant deferral / active EE | $2,021 | $2,606-22.4% | $3,619-44.1% | $3,608-44.0% |
| Admin fee / account holder | $619 | $4,102-84.9% | $6,252-90.1% | $5,124-87.9% |