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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 | $16,768 | $99,345-83.1% | $84,753-80.2% | $273,972-93.9% |
| Participation rate | 88.9% | 80.7%+8.2pp | 76.6%+12.3pp | 83.0%+5.9pp |
| Annual return | 8.11% | 22.93%-14.8pp | 22.78%-14.7pp | 41.46%-33.3pp |
| Employer contribution / active EE | $2,081 | $4,214-50.6% | $3,574-41.8% | $4,869-57.3% |
| Participant deferral / active EE | $4,461 | $4,270+4.5% | $3,712+20.2% | $5,287-15.6% |
| Admin fee / account holder | $2,243 | $6,645-66.3% | $5,333-58.0% | $10,133-77.9% |