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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 | $23,658 | $112,729-79.0% | $98,716-76.0% | $137,256-82.8% |
| Participation rate | 92.3% | 74.2%+18.1pp | 69.3%+23.0pp | 80.0%+12.3pp |
| Annual return | 15.90% | 38.48%-22.6pp | 31.81%-15.9pp | 220.34%-204.4pp |
| Employer contribution / active EE | $1,650 | $2,725-39.5% | $2,279-27.6% | $4,156-60.3% |
| Participant deferral / active EE | $2,747 | $4,640-40.8% | $4,048-32.1% | $6,407-57.1% |
| Admin fee / account holder | $6,764 | $10,129-33.2% | $8,703-22.3% | $12,270-44.9% |