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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 | $23,780 | $77,472-69.3% | $100,415-76.3% | $80,959-70.6% |
| Participation rate | 97.4% | 76.9%+20.4pp | 81.5%+15.9pp | 67.7%+29.7pp |
| Annual return | 16.09% | 37.26%-21.2pp | 49.47%-33.4pp | 35.67%-19.6pp |
| Employer contribution / active EE | $1,710 | $2,800-38.9% | $3,943-56.6% | $2,757-38.0% |
| Participant deferral / active EE | $3,833 | $6,818-43.8% | $8,091-52.6% | $4,300-10.9% |
| Admin fee / account holder | $1,279 | $5,885-78.3% | $7,906-83.8% | $6,925-81.5% |