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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 | $106,864-67.3% | $147,318-76.3% | $82,637-57.8% |
| Participation rate | 87.1% | 75.5%+11.6pp | 82.1%+5.0pp | 68.1%+19.0pp |
| Annual return | 18.98% | 27.49%-8.5pp | 70.43%-51.5pp | 53.51%-34.5pp |
| Employer contribution / active EE | $2,067 | $3,417-39.5% | $4,593-55.0% | $2,552-19.0% |
| Participant deferral / active EE | $3,412 | $6,496-47.5% | $7,906-56.8% | $4,126-17.3% |
| Admin fee / account holder | $10,955 | $8,415+30.2% | $13,708-20.1% | $7,339+49.3% |