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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 | $48,845 | $93,598-47.8% | $135,974-64.1% | $75,173-35.0% |
| Participation rate | 79.6% | 75.2%+4.4pp | 81.9%-2.3pp | 67.2%+12.4pp |
| Annual return | 26.51% | 30.89%-4.4pp | 68.30%-41.8pp | 160.72%-134.2pp |
| Employer contribution / active EE | $2,811 | $3,538-20.5% | $4,859-42.1% | $2,671+5.3% |
| Participant deferral / active EE | $6,320 | $6,405-1.3% | $7,760-18.6% | $4,126+53.2% |
| Admin fee / account holder | $680 | $6,978-90.3% | $10,767-93.7% | $5,651-88.0% |