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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 | $51,689 | $87,834-41.2% | $133,975-61.4% | $62,881-17.8% |
| Participation rate | 81.8% | 83.4%-1.6pp | 87.1%-5.2pp | 69.3%+12.5pp |
| Annual return | 7.56% | 12.05%-4.5pp | 29.29%-21.7pp | 20.14%-12.6pp |
| Employer contribution / active EE | $1,886 | $3,482-45.8% | $5,211-63.8% | $2,281-17.3% |
| Participant deferral / active EE | $8,924 | $4,812+85.5% | $6,282+42.1% | $3,203+178.6% |
| Admin fee / account holder | $2,347 | $5,372-56.3% | $9,324-74.8% | $4,296-45.4% |