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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 | $20,221 | $58,627-65.5% | $76,735-73.6% | $82,448-75.5% |
| Participation rate | 98.0% | 63.2%+34.8pp | 69.5%+28.5pp | 68.1%+29.9pp |
| Annual return | 19.77% | 39.10%-19.3pp | 29.77%-10.0pp | 41.64%-21.9pp |
| Employer contribution / active EE | $2,166 | $1,729+25.2% | $2,454-11.8% | $2,551-15.1% |
| Participant deferral / active EE | $3,184 | $3,134+1.6% | $4,088-22.1% | $4,139-23.1% |
| Admin fee / account holder | $1,210 | $5,323-77.3% | $7,189-83.2% | $7,234-83.3% |