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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 | $63,238 | $106,524-40.6% | $152,301-58.5% | $87,485-27.7% |
| Participation rate | 77.6% | 75.8%+1.8pp | 82.4%-4.9pp | 68.9%+8.6pp |
| Annual return | 15.40% | 26.89%-11.5pp | 80.50%-65.1pp | 26.06%-10.7pp |
| Employer contribution / active EE | $2,744 | $3,371-18.6% | $4,624-40.7% | $2,596+5.7% |
| Participant deferral / active EE | $4,372 | $6,525-33.0% | $8,004-45.4% | $4,274+2.3% |
| Admin fee / account holder | $370 | $8,287-95.5% | $14,398-97.4% | $7,775-95.2% |