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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 | $65,872 | $153,769-57.2% | $133,975-50.8% | $273,972-76.0% |
| Participation rate | 83.3% | 88.4%-5.0pp | 87.1%-3.7pp | 83.0%+0.3pp |
| Annual return | 3.83% | 36.51%-32.7pp | 29.29%-25.5pp | 41.46%-37.6pp |
| Employer contribution / active EE | $3,766 | $6,029-37.5% | $5,211-27.7% | $4,869-22.6% |
| Participant deferral / active EE | $7,563 | $6,958+8.7% | $6,282+20.4% | $5,287+43.0% |
| Admin fee / account holder | $2,442 | $11,765-79.2% | $9,324-73.8% | $10,133-75.9% |