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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 | $24,912 | $41,377-39.8% | $109,313-77.2% | $62,881-60.4% |
| Participation rate | 93.5% | 57.5%+36.0pp | 71.3%+22.3pp | 69.3%+24.2pp |
| Annual return | 10.86% | 11.05%-0.2pp | 22.07%-11.2pp | 20.14%-9.3pp |
| Employer contribution / active EE | $1,971 | $1,276+54.5% | $3,892-49.4% | $2,281-13.6% |
| Participant deferral / active EE | $2,830 | $2,045+38.4% | $3,166-10.6% | $3,203-11.6% |
| Admin fee / account holder | $2,048 | $2,884-29.0% | $5,666-63.9% | $4,296-52.3% |