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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 | $57,178 | $81,504-29.8% | $102,437-44.2% | $80,959-29.4% |
| Participation rate | 74.1% | 66.9%+7.2pp | 74.5%-0.4pp | 67.7%+6.4pp |
| Annual return | 10.97% | 25.60%-14.6pp | 24.95%-14.0pp | 35.67%-24.7pp |
| Employer contribution / active EE | $2,364 | $3,104-23.8% | $3,871-38.9% | $2,757-14.3% |
| Participant deferral / active EE | $4,918 | $3,871+27.1% | $5,060-2.8% | $4,300+14.4% |
| Admin fee / account holder | $17,760 | $6,719+164.3% | $8,388+111.7% | $6,925+156.5% |