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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 | $41,023 | $106,749-61.6% | $145,433-71.8% | $82,448-50.2% |
| Participation rate | 76.9% | 75.6%+1.3pp | 82.1%-5.2pp | 68.1%+8.9pp |
| Annual return | 20.36% | 27.59%-7.2pp | 66.58%-46.2pp | 41.64%-21.3pp |
| Employer contribution / active EE | $2,461 | $3,444-28.5% | $4,554-46.0% | $2,551-3.5% |
| Participant deferral / active EE | $4,117 | $6,519-36.8% | $7,897-47.9% | $4,139-0.5% |
| Admin fee / account holder | $18,259 | $8,390+117.6% | $13,129+39.1% | $7,234+152.4% |