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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 | $35,953 | $106,524-66.2% | $152,301-76.4% | $87,485-58.9% |
| Participation rate | 82.2% | 75.8%+6.5pp | 82.4%-0.2pp | 68.9%+13.3pp |
| Annual return | 18.36% | 26.89%-8.5pp | 80.50%-62.1pp | 26.06%-7.7pp |
| Employer contribution / active EE | $1,709 | $3,371-49.3% | $4,624-63.0% | $2,596-34.2% |
| Participant deferral / active EE | $5,987 | $6,525-8.2% | $8,004-25.2% | $4,274+40.1% |
| Admin fee / account holder | $2,900 | $8,287-65.0% | $14,398-79.9% | $7,775-62.7% |