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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 | $57,421 | $93,055-38.3% | $153,741-62.7% | $80,959-29.1% |
| Participation rate | 77.4% | 69.0%+8.4pp | 77.1%+0.3pp | 67.7%+9.8pp |
| Annual return | 12.75% | 19.97%-7.2pp | 15.71%-3.0pp | 35.67%-22.9pp |
| Employer contribution / active EE | $3,081 | $3,504-12.1% | $5,042-38.9% | $2,757+11.8% |
| Participant deferral / active EE | $5,082 | $5,172-1.7% | $6,757-24.8% | $4,300+18.2% |
| Admin fee / account holder | $2,807 | $8,881-68.4% | $12,749-78.0% | $6,925-59.5% |