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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 | $58,627-56.5% | $76,735-66.7% | $82,448-69.1% |
| Participation rate | 96.2% | 63.2%+32.9pp | 69.5%+26.7pp | 68.1%+28.1pp |
| Annual return | 23.41% | 39.10%-15.7pp | 29.77%-6.4pp | 41.64%-18.2pp |
| Employer contribution / active EE | $3,171 | $1,729+83.4% | $2,454+29.2% | $2,551+24.3% |
| Participant deferral / active EE | $5,230 | $3,134+66.9% | $4,088+27.9% | $4,139+26.4% |
| Admin fee / account holder | $829 | $5,323-84.4% | $7,189-88.5% | $7,234-88.5% |