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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 | $44,788 | $65,376-31.5% | $87,104-48.6% | $65,185-31.3% |
| Participation rate | 75.7% | 75.3%+0.4pp | 76.9%-1.1pp | 70.2%+5.5pp |
| Annual return | 29.17% | 31.27%-2.1pp | 28.19%+1.0pp | 29.38%-0.2pp |
| Employer contribution / active EE | $2,532 | $1,822+38.9% | $2,521+0.4% | $2,177+16.3% |
| Participant deferral / active EE | $2,247 | $3,388-33.7% | $4,048-44.5% | $3,514-36.1% |
| Admin fee / account holder | $747 | $520+43.7% | $7,491-90.0% | $847-11.8% |