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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 | $24,317 | $81,476-70.2% | $102,383-76.2% | $80,925-70.0% |
| Participation rate | 87.2% | 66.8%+20.3pp | 74.5%+12.7pp | 67.7%+19.5pp |
| Annual return | 12.20% | 25.59%-13.4pp | 24.94%-12.7pp | 35.65%-23.4pp |
| Employer contribution / active EE | $2,393 | $3,105-22.9% | $3,870-38.2% | $2,756-13.2% |
| Participant deferral / active EE | $4,119 | $3,871+6.4% | $5,060-18.6% | $4,299-4.2% |
| Admin fee / account holder | $2,320 | $6,717-65.5% | $8,391-72.4% | $6,940-66.6% |