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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 | $33,936 | $105,623-67.9% | $87,502-61.2% | $273,972-87.6% |
| Participation rate | 78.6% | 78.2%+0.4pp | 73.8%+4.7pp | 83.0%-4.4pp |
| Annual return | 5.74% | 12.26%-6.5pp | 12.21%-6.5pp | 41.46%-35.7pp |
| Employer contribution / active EE | $2,981 | $3,141-5.1% | $2,550+16.9% | $4,869-38.8% |
| Participant deferral / active EE | $6,777 | $3,601+88.2% | $3,149+115.2% | $5,287+28.2% |
| Admin fee / account holder | $10,284 | $4,781+115.1% | $4,221+143.7% | $10,133+1.5% |