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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 | $22,418 | $78,013-71.3% | $178,449-87.4% | $80,911-72.3% |
| Participation rate | 87.5% | 65.7%+21.8pp | 77.1%+10.4pp | 67.6%+19.9pp |
| Annual return | 14.86% | 18.07%-3.2pp | 27.09%-12.2pp | 35.63%-20.8pp |
| Employer contribution / active EE | $2,741 | $2,287+19.9% | $3,951-30.6% | $2,756-0.5% |
| Participant deferral / active EE | $4,856 | $4,408+10.2% | $6,277-22.6% | $4,297+13.0% |
| Admin fee / account holder | $1,126 | $7,166-84.3% | $10,362-89.1% | $6,935-83.8% |