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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 | $32,219 | $49,255-34.6% | $70,494-54.3% | $79,856-59.7% |
| Participation rate | 73.5% | 69.2%+4.4pp | 75.1%-1.5pp | 69.6%+3.9pp |
| Annual return | 20.70% | 30.10%-9.4pp | 109.16%-88.5pp | 31.71%-11.0pp |
| Employer contribution / active EE | $2,408 | $2,100+14.7% | $2,738-12.0% | $2,471-2.5% |
| Participant deferral / active EE | $6,260 | $2,768+126.1% | $3,711+68.7% | $3,741+67.4% |
| Admin fee / account holder | $4,285 | $2,879+48.8% | $3,848+11.4% | $5,306-19.2% |