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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 | $22,147 | $72,269-69.4% | $101,271-78.1% | $79,852-72.3% |
| Participation rate | 88.9% | 68.5%+20.4pp | 75.8%+13.1pp | 69.6%+19.3pp |
| Annual return | 23.77% | 22.29%+1.5pp | 46.48%-22.7pp | 31.72%-7.9pp |
| Employer contribution / active EE | $2,469 | $2,692-8.3% | $3,660-32.6% | $2,471-0.1% |
| Participant deferral / active EE | $4,627 | $3,282+41.0% | $4,371+5.9% | $3,740+23.7% |
| Admin fee / account holder | $344 | $4,401-92.2% | $5,948-94.2% | $5,306-93.5% |