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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 | $49,236-34.6% | $70,455-54.3% | $79,860-59.7% |
| Participation rate | 73.5% | 69.2%+4.4pp | 75.1%-1.5pp | 69.6%+3.9pp |
| Annual return | 20.70% | 30.07%-9.4pp | 109.06%-88.4pp | 31.72%-11.0pp |
| Employer contribution / active EE | $2,408 | $2,100+14.7% | $2,737-12.0% | $2,471-2.5% |
| Participant deferral / active EE | $6,260 | $2,769+126.1% | $3,709+68.8% | $3,740+67.4% |
| Admin fee / account holder | $4,285 | $2,877+48.9% | $3,845+11.4% | $5,306-19.2% |