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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 | $35,416 | $93,057-61.9% | $153,500-76.9% | $80,925-56.2% |
| Participation rate | 75.9% | 69.0%+6.9pp | 77.1%-1.2pp | 67.7%+8.2pp |
| Annual return | 14.59% | 19.96%-5.4pp | 15.70%-1.1pp | 35.65%-21.1pp |
| Employer contribution / active EE | $3,477 | $3,507-0.8% | $5,039-31.0% | $2,756+26.2% |
| Participant deferral / active EE | $6,693 | $5,179+29.2% | $6,756-0.9% | $4,299+55.7% |
| Admin fee / account holder | $1,332 | $8,885-85.0% | $12,736-89.5% | $6,940-80.8% |