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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 | $106,864-68.2% | $147,318-77.0% | $82,637-58.9% |
| Participation rate | 83.3% | 75.5%+7.8pp | 82.1%+1.3pp | 68.1%+15.3pp |
| Annual return | 19.11% | 27.49%-8.4pp | 70.43%-51.3pp | 53.51%-34.4pp |
| Employer contribution / active EE | $2,874 | $3,417-15.9% | $4,593-37.4% | $2,552+12.6% |
| Participant deferral / active EE | $5,206 | $6,496-19.9% | $7,906-34.2% | $4,126+26.2% |
| Admin fee / account holder | $2,980 | $8,415-64.6% | $13,708-78.3% | $7,339-59.4% |