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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 | $40,113 | $88,707-54.8% | $74,184-45.9% | $273,972-85.4% |
| Participation rate | 77.8% | 79.4%-1.7pp | 76.6%+1.2pp | 83.0%-5.2pp |
| Annual return | 11.32% | 11.94%-0.6pp | 17.74%-6.4pp | 41.46%-30.1pp |
| Employer contribution / active EE | $1,310 | $3,159-58.5% | $2,370-44.7% | $4,869-73.1% |
| Participant deferral / active EE | $2,620 | $4,212-37.8% | $3,550-26.2% | $5,287-50.4% |
| Admin fee / account holder | $547 | $8,717-93.7% | $5,586-90.2% | $10,133-94.6% |