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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 | $38,266 | $93,064-58.9% | $74,577-48.7% | $273,972-86.0% |
| Participation rate | 75.0% | 74.9%+0.1pp | 68.1%+6.9pp | 83.0%-8.0pp |
| Annual return | 13.14% | 26.18%-13.0pp | 20.47%-7.3pp | 41.46%-28.3pp |
| Employer contribution / active EE | $16,023 | $3,160+407.1% | $2,525+534.5% | $4,869+229.1% |
| Participant deferral / active EE | $8,376 | $4,160+101.3% | $3,458+142.2% | $5,287+58.4% |
| Admin fee / account holder | $3,447 | $5,273-34.6% | $4,138-16.7% | $10,133-66.0% |