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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 | $31,690 | $60,349-47.5% | $74,184-57.3% | $62,881-49.6% |
| Participation rate | 72.5% | 72.7%-0.2pp | 76.6%-4.1pp | 69.3%+3.2pp |
| Annual return | 6.58% | 21.38%-14.8pp | 17.74%-11.2pp | 20.14%-13.6pp |
| Employer contribution / active EE | $1,259 | $1,680-25.1% | $2,370-46.9% | $2,281-44.8% |
| Participant deferral / active EE | $2,310 | $2,856-19.1% | $3,550-34.9% | $3,203-27.9% |
| Admin fee / account holder | $6,421 | $4,261+50.7% | $5,586+15.0% | $4,296+49.5% |