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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 | $25,907 | $76,551-66.2% | $123,894-79.1% | $62,881-58.8% |
| Participation rate | 83.6% | 73.0%+10.6pp | 81.4%+2.2pp | 69.3%+14.3pp |
| Annual return | 10.45% | 18.68%-8.2pp | 47.52%-37.1pp | 20.14%-9.7pp |
| Employer contribution / active EE | $1,540 | $2,882-46.6% | $4,617-66.6% | $2,281-32.5% |
| Participant deferral / active EE | $7,371 | $4,840+52.3% | $5,984+23.2% | $3,203+130.1% |
| Admin fee / account holder | $5,415 | $4,826+12.2% | $8,357-35.2% | $4,296+26.1% |