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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 | $20,888 | $51,708-59.6% | $106,619-80.4% | $62,881-66.8% |
| Participation rate | 75.8% | 66.9%+9.0pp | 78.0%-2.2pp | 69.3%+6.5pp |
| Annual return | 9.05% | 4.69%+4.4pp | 9.42%-0.4pp | 20.14%-11.1pp |
| Employer contribution / active EE | $1,323 | $1,764-25.0% | $3,947-66.5% | $2,281-42.0% |
| Participant deferral / active EE | $3,646 | $2,315+57.5% | $3,930-7.2% | $3,203+13.8% |
| Admin fee / account holder | $3,506 | $3,349+4.7% | $6,418-45.4% | $4,296-18.4% |