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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 | $32,096 | $78,520-59.1% | $96,576-66.8% | $82,448-61.1% |
| Participation rate | 94.3% | 77.7%+16.6pp | 81.4%+12.8pp | 68.1%+26.2pp |
| Annual return | 18.33% | 41.30%-23.0pp | 38.47%-20.1pp | 41.64%-23.3pp |
| Employer contribution / active EE | $1,967 | $2,630-25.2% | $3,553-44.6% | $2,551-22.9% |
| Participant deferral / active EE | $4,378 | $6,754-35.2% | $7,956-45.0% | $4,139+5.8% |
| Admin fee / account holder | $1,349 | $13,455-90.0% | $11,381-88.1% | $7,234-81.3% |