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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 | $25,517 | $72,471-64.8% | $94,215-72.9% | $86,983-70.7% |
| Participation rate | 96.2% | 63.9%+32.3pp | 70.0%+26.2pp | 69.5%+26.6pp |
| Annual return | 23.41% | 26.44%-3.0pp | 28.22%-4.8pp | 25.83%-2.4pp |
| Employer contribution / active EE | $3,171 | $1,936+63.8% | $2,675+18.5% | $2,584+22.7% |
| Participant deferral / active EE | $5,230 | $3,397+54.0% | $4,276+22.3% | $4,194+24.7% |
| Admin fee / account holder | $829 | $6,468-87.2% | $10,216-91.9% | $7,856-89.4% |