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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 | $86,671 | $113,941-23.9% | $94,229-8.0% | $125,389-30.9% |
| Participation rate | 80.0% | 82.9%-2.9pp | 78.8%+1.2pp | 83.2%-3.2pp |
| Annual return | 0.34% | 5.29%-4.9pp | 10.68%-10.3pp | 282.24%-281.9pp |
| Employer contribution / active EE | $2,719 | $4,727-42.5% | $3,587-24.2% | $4,866-44.1% |
| Participant deferral / active EE | $11,699 | $5,179+125.9% | $4,320+170.8% | $5,352+118.6% |
| Admin fee / account holder | $2,917 | $8,392-65.2% | $6,269-53.5% | $9,541-69.4% |