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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 | $26,108 | $57,590-54.7% | $86,233-69.7% | $82,448-68.3% |
| Participation rate | 93.5% | 57.9%+35.7pp | 69.0%+24.5pp | 68.1%+25.5pp |
| Annual return | 17.20% | 22.41%-5.2pp | 61.39%-44.2pp | 41.64%-24.4pp |
| Employer contribution / active EE | $2,028 | $1,655+22.5% | $2,504-19.0% | $2,551-20.5% |
| Participant deferral / active EE | $3,802 | $3,080+23.5% | $4,559-16.6% | $4,139-8.1% |
| Admin fee / account holder | $4,892 | $4,730+3.4% | $8,342-41.4% | $7,234-32.4% |