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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 | $22,535 | $74,535-69.8% | $100,712-77.6% | $82,637-72.7% |
| Participation rate | 95.1% | 61.2%+33.9pp | 69.3%+25.8pp | 68.1%+27.1pp |
| Annual return | 15.94% | 18.92%-3.0pp | 33.27%-17.3pp | 53.51%-37.6pp |
| Employer contribution / active EE | $1,353 | $1,503-10.0% | $2,313-41.5% | $2,552-47.0% |
| Participant deferral / active EE | $4,733 | $3,074+54.0% | $4,085+15.9% | $4,126+14.7% |
| Admin fee / account holder | $3,375 | $6,576-48.7% | $9,256-63.5% | $7,339-54.0% |