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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 | $72,969 | $69,977+4.3% | $108,582-32.8% | $62,881+16.0% |
| Participation rate | 76.9% | 72.9%+4.0pp | 79.6%-2.6pp | 69.3%+7.6pp |
| Annual return | 8.46% | 10.73%-2.3pp | -51.70%+60.2pp | 20.14%-11.7pp |
| Employer contribution / active EE | $632 | $2,135-70.4% | $3,758-83.2% | $2,281-72.3% |
| Participant deferral / active EE | $3,592 | $3,165+13.5% | $4,311-16.7% | $3,203+12.1% |
| Admin fee / account holder | $1,912 | $5,076-62.3% | $7,645-75.0% | $4,296-55.5% |