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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 | $25,079 | $56,287-55.4% | $80,977-69.0% | $62,881-60.1% |
| Participation rate | 89.2% | 68.9%+20.3pp | 75.8%+13.4pp | 69.3%+19.9pp |
| Annual return | 15.12% | 22.13%-7.0pp | 17.11%-2.0pp | 20.14%-5.0pp |
| Employer contribution / active EE | $3,607 | $1,943+85.7% | $3,715-2.9% | $2,281+58.1% |
| Participant deferral / active EE | $5,787 | $4,196+37.9% | $5,696+1.6% | $3,203+80.7% |
| Admin fee / account holder | $2,334 | $3,742-37.6% | $5,517-57.7% | $4,296-45.7% |