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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 | $26,835 | $72,607-63.0% | $90,259-70.3% | $87,485-69.3% |
| Participation rate | 74.1% | 64.8%+9.3pp | 70.7%+3.3pp | 68.9%+5.1pp |
| Annual return | 20.85% | 18.59%+2.3pp | 18.88%+2.0pp | 26.06%-5.2pp |
| Employer contribution / active EE | $1,687 | $1,919-12.1% | $2,291-26.4% | $2,596-35.0% |
| Participant deferral / active EE | $3,428 | $3,055+12.2% | $3,827-10.4% | $4,274-19.8% |
| Admin fee / account holder | $1,390 | $5,947-76.6% | $7,267-80.9% | $7,775-82.1% |