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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 | $27,135 | $81,487-66.7% | $102,412-73.5% | $80,935-66.5% |
| Participation rate | 82.1% | 66.8%+15.2pp | 74.5%+7.5pp | 67.7%+14.4pp |
| Annual return | 12.95% | 25.60%-12.6pp | 24.94%-12.0pp | 35.66%-22.7pp |
| Employer contribution / active EE | $1,116 | $3,103-64.0% | $3,870-71.2% | $2,757-59.5% |
| Participant deferral / active EE | $4,417 | $3,871+14.1% | $5,060-12.7% | $4,299+2.7% |
| Admin fee / account holder | $3,123 | $6,717-53.5% | $8,388-62.8% | $6,924-54.9% |