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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 | $26,530 | $72,486-63.4% | $87,103-69.5% | $72,976-63.6% |
| Participation rate | 77.8% | 72.8%+5.0pp | 76.9%+0.9pp | 69.5%+8.3pp |
| Annual return | 18.82% | 24.46%-5.6pp | 28.19%-9.4pp | 81.02%-62.2pp |
| Employer contribution / active EE | $1,425 | $1,894-24.8% | $2,521-43.5% | $2,440-41.6% |
| Participant deferral / active EE | $2,080 | $3,270-36.4% | $4,049-48.6% | $3,608-42.3% |
| Admin fee / account holder | $3,627 | $5,055-28.2% | $7,491-51.6% | $5,124-29.2% |