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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 | $28,643 | $77,962-63.3% | $178,540-84.0% | $80,935-64.6% |
| Participation rate | 94.9% | 65.7%+29.2pp | 77.1%+17.8pp | 67.7%+27.2pp |
| Annual return | 16.92% | 18.10%-1.2pp | 27.15%-10.2pp | 35.66%-18.7pp |
| Employer contribution / active EE | $2,972 | $2,280+30.3% | $3,953-24.8% | $2,757+7.8% |
| Participant deferral / active EE | $4,436 | $4,404+0.7% | $6,281-29.4% | $4,299+3.2% |
| Admin fee / account holder | $3,172 | $7,156-55.7% | $10,424-69.6% | $6,924-54.2% |