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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 | $22,390 | $87,166-74.3% | $76,735-70.8% | $137,256-83.7% |
| Participation rate | 94.1% | 74.4%+19.8pp | 69.5%+24.6pp | 80.0%+14.2pp |
| Annual return | 11.81% | 26.50%-14.7pp | 29.77%-18.0pp | 220.34%-208.5pp |
| Employer contribution / active EE | $1,855 | $2,904-36.1% | $2,454-24.4% | $4,156-55.4% |
| Participant deferral / active EE | $4,576 | $4,726-3.2% | $4,088+12.0% | $6,407-28.6% |
| Admin fee / account holder | $451 | $8,403-94.6% | $7,189-93.7% | $12,270-96.3% |