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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 | $54,931 | $146,267-62.4% | $197,124-72.1% | $82,448-33.4% |
| Participation rate | 73.4% | 84.0%-10.6pp | 86.7%-13.3pp | 68.1%+5.4pp |
| Annual return | 29.17% | 29.61%-0.4pp | 44.34%-15.2pp | 41.64%-12.5pp |
| Employer contribution / active EE | $3,018 | $4,723-36.1% | $6,227-51.5% | $2,551+18.3% |
| Participant deferral / active EE | $11,606 | $7,035+65.0% | $9,135+27.1% | $4,139+180.4% |
| Admin fee / account holder | $7,836 | $14,422-45.7% | $16,298-51.9% | $7,234+8.3% |