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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 | $62,809 | $67,606-7.1% | $82,313-23.7% | $70,124-10.4% |
| Participation rate | 71.4% | 72.8%-1.3pp | 76.9%-5.5pp | 69.5%+1.9pp |
| Annual return | 14.82% | 21.57%-6.7pp | 25.88%-11.1pp | 73.14%-58.3pp |
| Employer contribution / active EE | $1,281 | $1,755-27.0% | $2,428-47.3% | $2,342-45.3% |
| Participant deferral / active EE | $2,347 | $2,987-21.4% | $3,706-36.7% | $3,332-29.6% |
| Admin fee / account holder | $1,107 | $4,512-75.5% | $5,608-80.3% | $4,645-76.2% |