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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 | $56,799 | $99,345-42.8% | $84,753-33.0% | $273,972-79.3% |
| Participation rate | 70.8% | 80.7%-9.9pp | 76.6%-5.8pp | 83.0%-12.2pp |
| Annual return | 6.77% | 22.93%-16.2pp | 22.78%-16.0pp | 41.46%-34.7pp |
| Employer contribution / active EE | $1,585 | $4,214-62.4% | $3,574-55.7% | $4,869-67.5% |
| Participant deferral / active EE | $4,649 | $4,270+8.9% | $3,712+25.3% | $5,287-12.1% |
| Admin fee / account holder | $4,814 | $6,645-27.6% | $5,333-9.7% | $10,133-52.5% |