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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 | $29,814 | $72,486-58.9% | $87,103-65.8% | $72,976-59.1% |
| Participation rate | 70.0% | 72.8%-2.8pp | 76.9%-6.9pp | 69.5%+0.5pp |
| Annual return | 21.30% | 24.46%-3.2pp | 28.19%-6.9pp | 81.02%-59.7pp |
| Employer contribution / active EE | $2,305 | $1,894+21.7% | $2,521-8.6% | $2,440-5.5% |
| Participant deferral / active EE | $5,457 | $3,270+66.9% | $4,049+34.8% | $3,608+51.3% |
| Admin fee / account holder | $492 | $5,055-90.3% | $7,491-93.4% | $5,124-90.4% |