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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 | $107,733-80.3% | $92,985-77.1% | $154,746-86.3% |
| Participation rate | 87.5% | 74.6%+12.9pp | 69.5%+18.0pp | 80.7%+6.8pp |
| Annual return | 22.98% | 30.39%-7.4pp | 27.99%-5.0pp | 172.34%-149.4pp |
| Employer contribution / active EE | $2,573 | $3,126-17.7% | $2,662-3.4% | $4,379-41.3% |
| Participant deferral / active EE | $5,749 | $5,053+13.8% | $4,377+31.4% | $6,730-14.6% |
| Admin fee / account holder | $359 | $11,369-96.8% | $9,463-96.2% | $14,365-97.5% |