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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 | $26,658 | $106,524-75.0% | $152,301-82.5% | $87,485-69.5% |
| Participation rate | 92.7% | 75.8%+16.9pp | 82.4%+10.2pp | 68.9%+23.8pp |
| Annual return | 19.85% | 26.89%-7.0pp | 80.50%-60.7pp | 26.06%-6.2pp |
| Employer contribution / active EE | $2,544 | $3,371-24.5% | $4,624-45.0% | $2,596-2.0% |
| Participant deferral / active EE | $3,263 | $6,525-50.0% | $8,004-59.2% | $4,274-23.6% |
| Admin fee / account holder | $461 | $8,287-94.4% | $14,398-96.8% | $7,775-94.1% |