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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 | $26,684 | $67,894-60.7% | $89,340-70.1% | $82,448-67.6% |
| Participation rate | 100.0% | 64.0%+36.0pp | 69.6%+30.4pp | 68.1%+31.9pp |
| Annual return | 18.96% | 19.21%-0.2pp | 20.57%-1.6pp | 41.64%-22.7pp |
| Employer contribution / active EE | $2,060 | $1,828+12.7% | $2,231-7.7% | $2,551-19.3% |
| Participant deferral / active EE | $3,898 | $3,072+26.9% | $3,823+2.0% | $4,139-5.8% |
| Admin fee / account holder | $387 | $5,723-93.2% | $6,704-94.2% | $7,234-94.6% |