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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 | $20,682 | $56,544-63.4% | $75,501-72.6% | $70,126-70.5% |
| Participation rate | 83.3% | 68.1%+15.2pp | 72.4%+11.0pp | 69.5%+13.8pp |
| Annual return | 23.91% | 23.59%+0.3pp | 27.35%-3.4pp | 73.15%-49.2pp |
| Employer contribution / active EE | $2,517 | $1,817+38.6% | $2,352+7.0% | $2,343+7.4% |
| Participant deferral / active EE | $5,128 | $2,580+98.8% | $3,142+63.2% | $3,332+53.9% |
| Admin fee / account holder | $1,088 | $3,827-71.6% | $5,801-81.2% | $4,645-76.6% |