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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 | $73,787-66.4% | $98,716-74.9% | $82,448-69.9% |
| Participation rate | 85.0% | 61.4%+23.6pp | 69.3%+15.7pp | 68.1%+16.9pp |
| Annual return | 18.88% | 18.57%+0.3pp | 31.81%-12.9pp | 41.64%-22.8pp |
| Employer contribution / active EE | $1,590 | $1,511+5.2% | $2,279-30.2% | $2,551-37.7% |
| Participant deferral / active EE | $3,383 | $3,081+9.8% | $4,048-16.4% | $4,139-18.3% |
| Admin fee / account holder | $4,003 | $6,500-38.4% | $8,703-54.0% | $7,234-44.7% |