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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 | $57,799 | $101,798-43.2% | $165,071-65.0% | $80,935-28.6% |
| Participation rate | 78.6% | 71.8%+6.7pp | 78.6%-0.1pp | 67.7%+10.9pp |
| Annual return | 19.29% | 16.73%+2.6pp | 70.17%-50.9pp | 35.66%-16.4pp |
| Employer contribution / active EE | $2,765 | $2,954-6.4% | $4,347-36.4% | $2,757+0.3% |
| Participant deferral / active EE | $5,636 | $4,476+25.9% | $6,035-6.6% | $4,299+31.1% |
| Admin fee / account holder | $2,982 | $8,221-63.7% | $12,695-76.5% | $6,924-56.9% |