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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 | $23,629 | $57,119-58.6% | $85,187-72.3% | $80,935-70.8% |
| Participation rate | 93.9% | 56.4%+37.5pp | 67.5%+26.4pp | 67.7%+26.3pp |
| Annual return | 14.85% | 21.70%-6.9pp | 66.67%-51.8pp | 35.66%-20.8pp |
| Employer contribution / active EE | $2,322 | $1,802+28.9% | $2,732-15.0% | $2,757-15.8% |
| Participant deferral / active EE | $4,502 | $3,115+44.5% | $4,525-0.5% | $4,299+4.7% |
| Admin fee / account holder | $797 | $4,990-84.0% | $6,162-87.1% | $6,924-88.5% |