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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 | $71,440 | $135,905-47.4% | $126,068-43.3% | $198,609-64.0% |
| Participation rate | 78.9% | 85.6%-6.7pp | 84.7%-5.8pp | 82.4%-3.4pp |
| Annual return | 28.37% | 14.07%+14.3pp | 15.01%+13.4pp | 202.70%-174.3pp |
| Employer contribution / active EE | $2,028 | $4,245-52.2% | $3,968-48.9% | $5,055-59.9% |
| Participant deferral / active EE | $8,281 | $8,523-2.8% | $8,214+0.8% | $6,977+18.7% |
| Admin fee / account holder | $7,355 | $21,036-65.0% | $18,264-59.7% | $19,030-61.4% |