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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 | $26,964 | $61,605-56.2% | $112,273-76.0% | $75,173-64.1% |
| Participation rate | 88.9% | 61.7%+27.2pp | 72.4%+16.5pp | 67.2%+21.7pp |
| Annual return | 16.62% | 28.47%-11.8pp | 30.23%-13.6pp | 160.72%-144.1pp |
| Employer contribution / active EE | $3,159 | $2,015+56.7% | $3,431-7.9% | $2,671+18.3% |
| Participant deferral / active EE | $4,515 | $3,108+45.3% | $4,800-5.9% | $4,126+9.4% |
| Admin fee / account holder | $1,598 | $4,862-67.1% | $7,752-79.4% | $5,651-71.7% |