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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 | $27,020 | $60,349-55.2% | $74,184-63.6% | $62,881-57.0% |
| Participation rate | 78.3% | 72.7%+5.5pp | 76.6%+1.6pp | 69.3%+9.0pp |
| Annual return | 7.16% | 21.38%-14.2pp | 17.74%-10.6pp | 20.14%-13.0pp |
| Employer contribution / active EE | $2,529 | $1,680+50.5% | $2,370+6.7% | $2,281+10.9% |
| Participant deferral / active EE | $5,292 | $2,856+85.3% | $3,550+49.1% | $3,203+65.2% |
| Admin fee / account holder | $2,575 | $4,261-39.6% | $5,586-53.9% | $4,296-40.1% |