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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 | $84,281 | $88,707-5.0% | $74,184+13.6% | $273,972-69.2% |
| Participation rate | 70.0% | 79.4%-9.4pp | 76.6%-6.6pp | 83.0%-13.0pp |
| Annual return | 2.52% | 11.94%-9.4pp | 17.74%-15.2pp | 41.46%-38.9pp |
| Employer contribution / active EE | $801 | $3,159-74.7% | $2,370-66.2% | $4,869-83.6% |
| Participant deferral / active EE | $4,469 | $4,212+6.1% | $3,550+25.9% | $5,287-15.5% |
| Admin fee / account holder | $458 | $8,717-94.7% | $5,586-91.8% | $10,133-95.5% |