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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 | $25,866 | $136,860-81.1% | $120,344-78.5% | $154,746-83.3% |
| Participation rate | 88.9% | 79.9%+9.0pp | 76.7%+12.2pp | 80.7%+8.2pp |
| Annual return | 18.60% | 21.38%-2.8pp | 20.30%-1.7pp | 172.34%-153.7pp |
| Employer contribution / active EE | $2,986 | $3,533-15.5% | $3,020-1.1% | $4,379-31.8% |
| Participant deferral / active EE | $6,080 | $5,793+4.9% | $5,135+18.4% | $6,730-9.7% |
| Admin fee / account holder | $489 | $15,393-96.8% | $12,742-96.2% | $14,365-96.6% |