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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 | $24,244 | $78,015-68.9% | $178,505-86.4% | $80,959-70.1% |
| Participation rate | 87.1% | 65.7%+21.4pp | 77.1%+10.0pp | 67.7%+19.4pp |
| Annual return | 16.73% | 18.10%-1.4pp | 27.16%-10.4pp | 35.67%-18.9pp |
| Employer contribution / active EE | $2,949 | $2,281+29.3% | $3,955-25.4% | $2,757+7.0% |
| Participant deferral / active EE | $5,365 | $4,406+21.8% | $6,280-14.6% | $4,300+24.8% |
| Admin fee / account holder | $799 | $7,160-88.8% | $10,428-92.3% | $6,925-88.5% |