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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 | $44,730 | $102,609-56.4% | $98,090-54.4% | $138,895-67.8% |
| Participation rate | 75.0% | 82.8%-7.8pp | 81.5%-6.5pp | 79.9%-4.9pp |
| Annual return | 17.28% | 36.44%-19.2pp | 37.05%-19.8pp | 145.39%-128.1pp |
| Employer contribution / active EE | $2,901 | $3,867-25.0% | $3,606-19.6% | $4,194-30.8% |
| Participant deferral / active EE | $6,953 | $8,167-14.9% | $7,845-11.4% | $6,396+8.7% |
| Admin fee / account holder | $10,114 | $11,434-11.5% | $11,815-14.4% | $12,562-19.5% |