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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 | $40,771 | $91,439-55.4% | $135,974-70.0% | $71,511-43.0% |
| Participation rate | 71.0% | 75.7%-4.6pp | 81.9%-10.9pp | 67.9%+3.1pp |
| Annual return | 35.07% | 29.90%+5.2pp | 68.30%-33.2pp | 28.86%+6.2pp |
| Employer contribution / active EE | $2,569 | $3,705-30.6% | $4,859-47.1% | $2,589-0.8% |
| Participant deferral / active EE | $6,984 | $7,093-1.5% | $7,760-10.0% | $4,291+62.8% |
| Admin fee / account holder | $3,681 | $1,267+190.6% | $10,767-65.8% | $1,588+131.7% |