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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 | $26,562 | $81,487-67.4% | $102,412-74.1% | $80,935-67.2% |
| Participation rate | 95.2% | 66.8%+28.4pp | 74.5%+20.7pp | 67.7%+27.6pp |
| Annual return | 12.30% | 25.60%-13.3pp | 24.94%-12.6pp | 35.66%-23.4pp |
| Employer contribution / active EE | $1,732 | $3,103-44.2% | $3,870-55.2% | $2,757-37.2% |
| Participant deferral / active EE | $5,958 | $3,871+53.9% | $5,060+17.7% | $4,299+38.6% |
| Admin fee / account holder | $2,560 | $6,717-61.9% | $8,388-69.5% | $6,924-63.0% |