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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 | $41,275 | $89,515-53.9% | $103,486-60.1% | $80,935-49.0% |
| Participation rate | 79.6% | 76.0%+3.6pp | 80.5%-1.0pp | 67.7%+11.9pp |
| Annual return | 13.80% | 22.82%-9.0pp | 23.93%-10.1pp | 35.66%-21.9pp |
| Employer contribution / active EE | $3,387 | $4,015-15.6% | $4,679-27.6% | $2,757+22.9% |
| Participant deferral / active EE | $7,819 | $5,463+43.1% | $6,628+18.0% | $4,299+81.9% |
| Admin fee / account holder | $1,311 | $6,527-79.9% | $9,354-86.0% | $6,924-81.1% |