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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 | $27,105 | $136,860-80.2% | $120,344-77.5% | $154,746-82.5% |
| Participation rate | 94.7% | 79.9%+14.8pp | 76.7%+18.0pp | 80.7%+14.0pp |
| Annual return | 18.02% | 21.38%-3.4pp | 20.30%-2.3pp | 172.34%-154.3pp |
| Employer contribution / active EE | $2,324 | $3,533-34.2% | $3,020-23.1% | $4,379-46.9% |
| Participant deferral / active EE | $4,353 | $5,793-24.9% | $5,135-15.2% | $6,730-35.3% |
| Admin fee / account holder | $615 | $15,393-96.0% | $12,742-95.2% | $14,365-95.7% |