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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 | $47,673 | $93,598-49.1% | $135,974-64.9% | $75,173-36.6% |
| Participation rate | 72.5% | 75.2%-2.7pp | 81.9%-9.4pp | 67.2%+5.3pp |
| Annual return | 28.50% | 30.89%-2.4pp | 68.30%-39.8pp | 160.72%-132.2pp |
| Employer contribution / active EE | $2,969 | $3,538-16.1% | $4,859-38.9% | $2,671+11.1% |
| Participant deferral / active EE | $6,749 | $6,405+5.4% | $7,760-13.0% | $4,126+63.6% |
| Admin fee / account holder | $942 | $6,978-86.5% | $10,767-91.3% | $5,651-83.3% |