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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 | $22,691 | $49,025-53.7% | $87,502-74.1% | $62,881-63.9% |
| Participation rate | 96.7% | 64.9%+31.8pp | 73.8%+22.8pp | 69.3%+27.4pp |
| Annual return | 7.85% | 10.02%-2.2pp | 12.21%-4.4pp | 20.14%-12.3pp |
| Employer contribution / active EE | $2,252 | $1,372+64.1% | $2,550-11.7% | $2,281-1.3% |
| Participant deferral / active EE | $3,755 | $2,289+64.0% | $3,149+19.2% | $3,203+17.2% |
| Admin fee / account holder | $917 | $4,065-77.4% | $4,221-78.3% | $4,296-78.7% |