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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 | $59,440-66.9% | $78,004-74.8% | $82,637-76.2% |
| Participation rate | 98.5% | 62.8%+35.7pp | 69.4%+29.1pp | 68.1%+30.5pp |
| Annual return | 20.40% | 40.24%-19.8pp | 31.07%-10.7pp | 53.51%-33.1pp |
| Employer contribution / active EE | $1,853 | $1,750+5.9% | $2,469-24.9% | $2,552-27.4% |
| Participant deferral / active EE | $5,727 | $3,138+82.5% | $4,092+40.0% | $4,126+38.8% |
| Admin fee / account holder | $1,437 | $5,504-73.9% | $7,578-81.0% | $7,339-80.4% |