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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 | $21,276 | $87,166-75.6% | $76,735-72.3% | $137,256-84.5% |
| Participation rate | 87.5% | 74.4%+13.1pp | 69.5%+18.0pp | 80.0%+7.5pp |
| Annual return | 22.98% | 26.50%-3.5pp | 29.77%-6.8pp | 220.34%-197.4pp |
| Employer contribution / active EE | $2,573 | $2,904-11.4% | $2,454+4.8% | $4,156-38.1% |
| Participant deferral / active EE | $5,749 | $4,726+21.6% | $4,088+40.6% | $6,407-10.3% |
| Admin fee / account holder | $359 | $8,403-95.7% | $7,189-95.0% | $12,270-97.1% |