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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 | $25,271 | $81,358-68.9% | $155,556-83.8% | $80,959-68.8% |
| Participation rate | 78.8% | 66.3%+12.5pp | 78.2%+0.6pp | 67.7%+11.1pp |
| Annual return | 13.42% | 33.39%-20.0pp | 64.84%-51.4pp | 35.67%-22.2pp |
| Employer contribution / active EE | $2,916 | $3,106-6.1% | $4,675-37.6% | $2,757+5.7% |
| Participant deferral / active EE | $5,791 | $3,455+67.6% | $5,631+2.9% | $4,300+34.7% |
| Admin fee / account holder | $718 | $7,994-91.0% | $15,885-95.5% | $6,925-89.6% |