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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 | $19,352 | $75,541-74.4% | $152,093-87.3% | $82,637-76.6% |
| Participation rate | 79.2% | 66.5%+12.7pp | 77.8%+1.5pp | 68.1%+11.2pp |
| Annual return | 31.99% | 32.56%-0.6pp | 66.36%-34.4pp | 53.51%-21.5pp |
| Employer contribution / active EE | $2,191 | $2,622-16.4% | $4,175-47.5% | $2,552-14.1% |
| Participant deferral / active EE | $3,436 | $3,206+7.2% | $5,451-37.0% | $4,126-16.7% |
| Admin fee / account holder | $1,584 | $6,405-75.3% | $14,497-89.1% | $7,339-78.4% |