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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 | $27,573 | $80,992-66.0% | $96,534-71.4% | $75,173-63.3% |
| Participation rate | 96.2% | 71.8%+24.4pp | 76.0%+20.2pp | 67.2%+29.0pp |
| Annual return | 34.82% | 27.05%+7.8pp | 25.88%+8.9pp | 160.72%-125.9pp |
| Employer contribution / active EE | $2,025 | $2,283-11.3% | $2,965-31.7% | $2,671-24.2% |
| Participant deferral / active EE | $2,761 | $3,929-29.7% | $4,851-43.1% | $4,126-33.1% |
| Admin fee / account holder | $6,468 | $6,717-3.7% | $8,253-21.6% | $5,651+14.5% |