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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 | $106,749-75.0% | $145,433-81.7% | $82,448-67.7% |
| Participation rate | 92.7% | 75.6%+17.0pp | 82.1%+10.6pp | 68.1%+24.6pp |
| Annual return | 19.85% | 27.59%-7.7pp | 66.58%-46.7pp | 41.64%-21.8pp |
| Employer contribution / active EE | $2,544 | $3,444-26.1% | $4,554-44.1% | $2,551-0.3% |
| Participant deferral / active EE | $3,263 | $6,519-49.9% | $7,897-58.7% | $4,139-21.2% |
| Admin fee / account holder | $461 | $8,390-94.5% | $13,129-96.5% | $7,234-93.6% |