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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 | $29,140 | $57,575-49.4% | $124,067-76.5% | $86,983-66.5% |
| Participation rate | 74.4% | 62.3%+12.1pp | 66.9%+7.5pp | 69.5%+4.8pp |
| Annual return | 16.99% | 19.65%-2.7pp | 31.06%-14.1pp | 25.83%-8.8pp |
| Employer contribution / active EE | $2,282 | $1,615+41.3% | $2,166+5.4% | $2,584-11.7% |
| Participant deferral / active EE | $2,003 | $2,623-23.6% | $3,463-42.2% | $4,194-52.2% |
| Admin fee / account holder | $519 | $8,506-93.9% | $7,351-92.9% | $7,856-93.4% |