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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 | $19,691 | $58,627-66.4% | $76,735-74.3% | $82,448-76.1% |
| Participation rate | 98.5% | 63.2%+35.3pp | 69.5%+29.0pp | 68.1%+30.5pp |
| Annual return | 20.40% | 39.10%-18.7pp | 29.77%-9.4pp | 41.64%-21.2pp |
| Employer contribution / active EE | $1,853 | $1,729+7.2% | $2,454-24.5% | $2,551-27.4% |
| Participant deferral / active EE | $5,727 | $3,134+82.8% | $4,088+40.1% | $4,139+38.4% |
| Admin fee / account holder | $1,437 | $5,323-73.0% | $7,189-80.0% | $7,234-80.1% |