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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 | $18,475 | $54,757-66.3% | $90,300-79.5% | $72,983-74.7% |
| Participation rate | 76.4% | 65.1%+11.3pp | 73.3%+3.1pp | 69.5%+6.9pp |
| Annual return | 20.91% | 30.63%-9.7pp | 78.11%-57.2pp | 81.01%-60.1pp |
| Employer contribution / active EE | $2,076 | $2,092-0.8% | $2,854-27.3% | $2,440-14.9% |
| Participant deferral / active EE | $3,147 | $2,887+9.0% | $3,884-19.0% | $3,608-12.8% |
| Admin fee / account holder | $1,494 | $3,972-62.4% | $5,353-72.1% | $5,124-70.8% |