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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 | $37,067 | $76,551-51.6% | $123,894-70.1% | $62,881-41.1% |
| Participation rate | 80.8% | 73.0%+7.8pp | 81.4%-0.6pp | 69.3%+11.5pp |
| Annual return | 6.61% | 18.68%-12.1pp | 47.52%-40.9pp | 20.14%-13.5pp |
| Employer contribution / active EE | $1,423 | $2,882-50.6% | $4,617-69.2% | $2,281-37.6% |
| Participant deferral / active EE | $2,408 | $4,840-50.2% | $5,984-59.8% | $3,203-24.8% |
| Admin fee / account holder | $4,392 | $4,826-9.0% | $8,357-47.4% | $4,296+2.2% |