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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 | $33,635 | $86,940-61.3% | $102,434-67.2% | $80,935-58.4% |
| Participation rate | 72.5% | 72.4%+0.1pp | 76.5%-4.0pp | 67.7%+4.8pp |
| Annual return | 14.23% | 18.89%-4.7pp | 29.46%-15.2pp | 35.66%-21.4pp |
| Employer contribution / active EE | $2,633 | $2,370+11.1% | $3,023-12.9% | $2,757-4.5% |
| Participant deferral / active EE | $6,239 | $4,121+51.4% | $5,055+23.4% | $4,299+45.1% |
| Admin fee / account holder | $4,939 | $8,047-38.6% | $9,462-47.8% | $6,924-28.7% |