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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 | $72,607-76.8% | $90,259-81.4% | $87,485-80.8% |
| Participation rate | 81.8% | 64.8%+17.0pp | 70.7%+11.1pp | 68.9%+12.9pp |
| Annual return | 15.47% | 18.59%-3.1pp | 18.88%-3.4pp | 26.06%-10.6pp |
| Employer contribution / active EE | $2,871 | $1,919+49.6% | $2,291+25.3% | $2,596+10.6% |
| Participant deferral / active EE | $3,130 | $3,055+2.5% | $3,827-18.2% | $4,274-26.8% |
| Admin fee / account holder | $1,911 | $5,947-67.9% | $7,267-73.7% | $7,775-75.4% |