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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 | $22,913 | $58,493-60.8% | $84,023-72.7% | $72,976-68.6% |
| Participation rate | 78.6% | 61.2%+17.3pp | 69.0%+9.6pp | 69.5%+9.1pp |
| Annual return | 18.88% | 28.93%-10.0pp | 71.32%-52.4pp | 81.02%-62.1pp |
| Employer contribution / active EE | $1,667 | $1,163+43.3% | $1,984-16.0% | $2,440-31.7% |
| Participant deferral / active EE | $3,584 | $2,394+49.7% | $3,239+10.7% | $3,608-0.6% |
| Admin fee / account holder | $383 | $4,569-91.6% | $6,102-93.7% | $5,124-92.5% |