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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 | $16,824 | $67,894-75.2% | $89,340-81.2% | $82,448-79.6% |
| Participation rate | 81.8% | 64.0%+17.8pp | 69.6%+12.3pp | 68.1%+13.8pp |
| Annual return | 15.47% | 19.21%-3.7pp | 20.57%-5.1pp | 41.64%-26.2pp |
| Employer contribution / active EE | $2,871 | $1,828+57.1% | $2,231+28.7% | $2,551+12.6% |
| Participant deferral / active EE | $3,130 | $3,072+1.9% | $3,823-18.1% | $4,139-24.4% |
| Admin fee / account holder | $1,911 | $5,723-66.6% | $6,704-71.5% | $7,234-73.6% |