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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 | $27,248 | $72,273-62.3% | $101,275-73.1% | $79,856-65.9% |
| Participation rate | 72.3% | 68.5%+3.9pp | 75.8%-3.5pp | 69.6%+2.7pp |
| Annual return | 11.87% | 22.30%-10.4pp | 46.48%-34.6pp | 31.71%-19.8pp |
| Employer contribution / active EE | $1,908 | $2,691-29.1% | $3,660-47.9% | $2,471-22.8% |
| Participant deferral / active EE | $4,789 | $3,282+45.9% | $4,371+9.6% | $3,741+28.0% |
| Admin fee / account holder | $2,170 | $4,401-50.7% | $5,948-63.5% | $5,306-59.1% |