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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 | $22,376 | $55,713-59.8% | $75,901-70.5% | $72,975-69.3% |
| Participation rate | 93.0% | 61.1%+31.9pp | 69.3%+23.7pp | 69.5%+23.5pp |
| Annual return | 25.01% | 27.60%-2.6pp | 30.76%-5.7pp | 81.01%-56.0pp |
| Employer contribution / active EE | $1,389 | $1,687-17.7% | $2,501-44.5% | $2,440-43.1% |
| Participant deferral / active EE | $3,681 | $2,634+39.8% | $3,603+2.2% | $3,608+2.0% |
| Admin fee / account holder | $543 | $3,980-86.4% | $5,420-90.0% | $5,124-89.4% |