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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 | $30,907 | $77,492-60.1% | $100,398-69.2% | $80,911-61.8% |
| Participation rate | 75.9% | 76.9%-1.1pp | 81.5%-5.6pp | 67.6%+8.2pp |
| Annual return | 17.01% | 37.23%-20.2pp | 49.32%-32.3pp | 35.63%-18.6pp |
| Employer contribution / active EE | $2,995 | $2,800+7.0% | $3,946-24.1% | $2,756+8.7% |
| Participant deferral / active EE | $5,687 | $6,817-16.6% | $8,084-29.7% | $4,297+32.3% |
| Admin fee / account holder | $3,108 | $5,892-47.3% | $7,893-60.6% | $6,935-55.2% |