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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 | $24,791 | $76,834-67.7% | $108,359-77.1% | $87,485-71.7% |
| Participation rate | 85.0% | 61.7%+23.3pp | 70.1%+14.9pp | 68.9%+16.1pp |
| Annual return | 18.88% | 19.09%-0.2pp | 36.89%-18.0pp | 26.06%-7.2pp |
| Employer contribution / active EE | $1,590 | $1,556+2.2% | $2,399-33.7% | $2,596-38.7% |
| Participant deferral / active EE | $3,383 | $3,100+9.1% | $4,137-18.2% | $4,274-20.8% |
| Admin fee / account holder | $4,003 | $6,537-38.8% | $9,741-58.9% | $7,775-48.5% |