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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 | $20,992 | $64,517-67.5% | $81,438-74.2% | $80,874-74.0% |
| Participation rate | 85.3% | 63.9%+21.4pp | 69.5%+15.8pp | 67.6%+17.6pp |
| Annual return | 22.05% | 16.35%+5.7pp | 24.74%-2.7pp | 35.62%-13.6pp |
| Employer contribution / active EE | $1,520 | $1,982-23.3% | $2,460-38.2% | $2,756-44.8% |
| Participant deferral / active EE | $2,155 | $3,096-30.4% | $3,883-44.5% | $4,297-49.8% |
| Admin fee / account holder | $795 | $5,677-86.0% | $5,764-86.2% | $6,935-88.5% |