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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 | $28,659 | $106,864-73.2% | $147,318-80.5% | $82,637-65.3% |
| Participation rate | 76.9% | 75.5%+1.4pp | 82.1%-5.1pp | 68.1%+8.9pp |
| Annual return | 18.60% | 27.49%-8.9pp | 70.43%-51.8pp | 53.51%-34.9pp |
| Employer contribution / active EE | $2,410 | $3,417-29.5% | $4,593-47.5% | $2,552-5.6% |
| Participant deferral / active EE | $6,922 | $6,496+6.6% | $7,906-12.4% | $4,126+67.8% |
| Admin fee / account holder | $2,289 | $8,415-72.8% | $13,708-83.3% | $7,339-68.8% |