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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 | $35,694 | $93,071-61.6% | $74,583-52.1% | $273,965-87.0% |
| Participation rate | 89.5% | 74.9%+14.5pp | 68.1%+21.4pp | 83.0%+6.5pp |
| Annual return | 7.38% | 26.18%-18.8pp | 20.47%-13.1pp | 41.45%-34.1pp |
| Employer contribution / active EE | $2,716 | $3,160-14.0% | $2,525+7.6% | $4,869-44.2% |
| Participant deferral / active EE | $7,127 | $4,160+71.3% | $3,458+106.1% | $5,287+34.8% |
| Admin fee / account holder | $2,403 | $5,272-54.4% | $4,138-41.9% | $10,132-76.3% |