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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 | $27,511 | $77,472-64.5% | $100,392-72.6% | $80,935-66.0% |
| Participation rate | 97.6% | 76.9%+20.7pp | 81.5%+16.1pp | 67.7%+30.0pp |
| Annual return | 19.61% | 37.26%-17.7pp | 49.45%-29.8pp | 35.66%-16.1pp |
| Employer contribution / active EE | $1,357 | $2,800-51.5% | $3,941-65.6% | $2,757-50.8% |
| Participant deferral / active EE | $5,162 | $6,818-24.3% | $8,090-36.2% | $4,299+20.1% |
| Admin fee / account holder | $2,035 | $5,885-65.4% | $7,904-74.3% | $6,924-70.6% |