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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 | $34,914 | $106,749-67.3% | $145,433-76.0% | $82,448-57.7% |
| Participation rate | 87.1% | 75.6%+11.4pp | 82.1%+5.0pp | 68.1%+19.0pp |
| Annual return | 18.98% | 27.59%-8.6pp | 66.58%-47.6pp | 41.64%-22.7pp |
| Employer contribution / active EE | $2,067 | $3,444-40.0% | $4,554-54.6% | $2,551-19.0% |
| Participant deferral / active EE | $3,412 | $6,519-47.7% | $7,897-56.8% | $4,139-17.6% |
| Admin fee / account holder | $10,955 | $8,390+30.6% | $13,129-16.6% | $7,234+51.4% |