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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 | $19,013 | $51,207-62.9% | $70,565-73.1% | $75,177-74.7% |
| Participation rate | 76.9% | 61.0%+16.0pp | 68.4%+8.6pp | 67.2%+9.7pp |
| Annual return | 18.16% | 30.05%-11.9pp | 32.79%-14.6pp | 160.75%-142.6pp |
| Employer contribution / active EE | $2,204 | $1,826+20.7% | $2,976-25.9% | $2,671-17.5% |
| Participant deferral / active EE | $3,326 | $2,850+16.7% | $4,568-27.2% | $4,126-19.4% |
| Admin fee / account holder | $414 | $4,097-89.9% | $6,430-93.6% | $5,651-92.7% |