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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 | $38,200 | $75,058-49.1% | $152,301-74.9% | $64,340-40.6% |
| Participation rate | 74.0% | 60.9%+13.1pp | 82.4%-8.4pp | 55.2%+18.8pp |
| Annual return | 28.63% | 29.93%-1.3pp | 80.50%-51.9pp | 24.14%+4.5pp |
| Employer contribution / active EE | $3,113 | $2,605+19.5% | $4,624-32.7% | $1,862+67.2% |
| Participant deferral / active EE | $6,356 | $5,041+26.1% | $8,004-20.6% | $2,980+113.3% |
| Admin fee / account holder | $2,027 | $4,050-50.0% | $14,398-85.9% | $3,703-45.3% |