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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 | $33,781 | $181,896-81.4% | $156,551-78.4% | $273,972-87.7% |
| Participation rate | 77.8% | 88.4%-10.6pp | 84.0%-6.2pp | 83.0%-5.2pp |
| Annual return | 5.79% | 30.74%-24.9pp | 32.23%-26.4pp | 41.46%-35.7pp |
| Employer contribution / active EE | $3,208 | $6,248-48.7% | $5,501-41.7% | $4,869-34.1% |
| Participant deferral / active EE | $8,316 | $5,550+49.8% | $4,871+70.7% | $5,287+57.3% |
| Admin fee / account holder | $4,126 | $15,560-73.5% | $13,028-68.3% | $10,133-59.3% |