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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 | $25,008 | $81,504-69.3% | $102,437-75.6% | $80,959-69.1% |
| Participation rate | 93.5% | 66.9%+26.6pp | 74.5%+19.0pp | 67.7%+25.8pp |
| Annual return | 12.71% | 25.60%-12.9pp | 24.95%-12.2pp | 35.67%-23.0pp |
| Employer contribution / active EE | $2,678 | $3,104-13.7% | $3,871-30.8% | $2,757-2.9% |
| Participant deferral / active EE | $6,190 | $3,871+59.9% | $5,060+22.3% | $4,300+43.9% |
| Admin fee / account holder | $1,980 | $6,719-70.5% | $8,388-76.4% | $6,925-71.4% |