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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 | $77,962-71.2% | $178,540-87.4% | $80,935-72.3% |
| Participation rate | 87.5% | 65.7%+21.8pp | 77.1%+10.4pp | 67.7%+19.8pp |
| Annual return | 14.86% | 18.10%-3.2pp | 27.15%-12.3pp | 35.66%-20.8pp |
| Employer contribution / active EE | $2,741 | $2,280+20.2% | $3,953-30.7% | $2,757-0.6% |
| Participant deferral / active EE | $4,856 | $4,404+10.3% | $6,281-22.7% | $4,299+12.9% |
| Admin fee / account holder | $1,126 | $7,156-84.3% | $10,424-89.2% | $6,924-83.7% |