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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 | $80,258 | $80,985-0.9% | $96,576-16.9% | $75,181+6.8% |
| Participation rate | 70.4% | 71.8%-1.4pp | 76.0%-5.6pp | 67.2%+3.2pp |
| Annual return | 17.18% | 27.05%-9.9pp | 25.87%-8.7pp | 160.69%-143.5pp |
| Employer contribution / active EE | $1,641 | $2,282-28.1% | $2,965-44.6% | $2,671-38.5% |
| Participant deferral / active EE | $4,425 | $3,929+12.6% | $4,851-8.8% | $4,126+7.2% |
| Admin fee / account holder | $550 | $6,719-91.8% | $8,253-93.3% | $5,650-90.3% |