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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 | $51,889 | $99,345-47.8% | $84,753-38.8% | $273,972-81.1% |
| Participation rate | 73.3% | 80.7%-7.4pp | 76.6%-3.3pp | 83.0%-9.7pp |
| Annual return | 5.88% | 22.93%-17.0pp | 22.78%-16.9pp | 41.46%-35.6pp |
| Employer contribution / active EE | $2,276 | $4,214-46.0% | $3,574-36.3% | $4,869-53.2% |
| Participant deferral / active EE | $7,932 | $4,270+85.8% | $3,712+113.7% | $5,287+50.0% |
| Admin fee / account holder | $841 | $6,645-87.3% | $5,333-84.2% | $10,133-91.7% |