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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 | $69,527 | $99,345-30.0% | $84,753-18.0% | $273,972-74.6% |
| Participation rate | 70.0% | 80.7%-10.7pp | 76.6%-6.6pp | 83.0%-13.0pp |
| Annual return | 9.79% | 22.93%-13.1pp | 22.78%-13.0pp | 41.46%-31.7pp |
| Employer contribution / active EE | $4,270 | $4,214+1.3% | $3,574+19.5% | $4,869-12.3% |
| Participant deferral / active EE | $6,872 | $4,270+61.0% | $3,712+85.1% | $5,287+30.0% |
| Admin fee / account holder | $497 | $6,645-92.5% | $5,333-90.7% | $10,133-95.1% |