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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 | $33,942 | $106,524-68.1% | $152,301-77.7% | $87,485-61.2% |
| Participation rate | 83.3% | 75.8%+7.6pp | 82.4%+0.9pp | 68.9%+14.4pp |
| Annual return | 19.11% | 26.89%-7.8pp | 80.50%-61.4pp | 26.06%-6.9pp |
| Employer contribution / active EE | $2,874 | $3,371-14.8% | $4,624-37.9% | $2,596+10.7% |
| Participant deferral / active EE | $5,206 | $6,525-20.2% | $8,004-35.0% | $4,274+21.8% |
| Admin fee / account holder | $2,980 | $8,287-64.0% | $14,398-79.3% | $7,775-61.7% |