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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 | $65,294 | $93,617-30.3% | $135,982-52.0% | $75,177-13.1% |
| Participation rate | 81.3% | 75.2%+6.0pp | 81.9%-0.7pp | 67.2%+14.0pp |
| Annual return | 17.72% | 30.89%-13.2pp | 68.32%-50.6pp | 160.75%-143.0pp |
| Employer contribution / active EE | $1,148 | $3,538-67.6% | $4,859-76.4% | $2,671-57.0% |
| Participant deferral / active EE | $5,596 | $6,406-12.6% | $7,760-27.9% | $4,126+35.6% |
| Admin fee / account holder | $2,789 | $6,980-60.0% | $10,767-74.1% | $5,651-50.7% |