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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 | $106,524-73.1% | $152,301-81.2% | $87,485-67.2% |
| Participation rate | 76.9% | 75.8%+1.2pp | 82.4%-5.5pp | 68.9%+8.0pp |
| Annual return | 18.60% | 26.89%-8.3pp | 80.50%-61.9pp | 26.06%-7.5pp |
| Employer contribution / active EE | $2,410 | $3,371-28.5% | $4,624-47.9% | $2,596-7.2% |
| Participant deferral / active EE | $6,922 | $6,525+6.1% | $8,004-13.5% | $4,274+62.0% |
| Admin fee / account holder | $2,289 | $8,287-72.4% | $14,398-84.1% | $7,775-70.6% |