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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 | $21,031 | $56,544-62.8% | $75,501-72.1% | $70,126-70.0% |
| Participation rate | 91.4% | 68.1%+23.3pp | 72.4%+19.0pp | 69.5%+21.8pp |
| Annual return | 14.95% | 23.59%-8.6pp | 27.35%-12.4pp | 73.15%-58.2pp |
| Employer contribution / active EE | $1,248 | $1,817-31.3% | $2,352-47.0% | $2,343-46.7% |
| Participant deferral / active EE | $2,340 | $2,580-9.3% | $3,142-25.5% | $3,332-29.8% |
| Admin fee / account holder | $1,858 | $3,827-51.4% | $5,801-68.0% | $4,645-60.0% |