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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 | $62,032 | $84,953-27.0% | $163,379-62.0% | $82,637-24.9% |
| Participation rate | 72.2% | 65.9%+6.3pp | 76.8%-4.6pp | 68.1%+4.2pp |
| Annual return | 16.66% | 23.07%-6.4pp | 63.41%-46.7pp | 53.51%-36.8pp |
| Employer contribution / active EE | $2,426 | $2,183+11.1% | $3,752-35.3% | $2,552-4.9% |
| Participant deferral / active EE | $3,346 | $4,326-22.7% | $6,282-46.7% | $4,126-18.9% |
| Admin fee / account holder | $808 | $7,921-89.8% | $9,818-91.8% | $7,339-89.0% |