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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 | $58,923 | $131,167-55.1% | $259,274-77.3% | $131,167-55.1% |
| Participation rate | 72.7% | 70.6%+2.1pp | 77.9%-5.1pp | 70.6%+2.1pp |
| Annual return | 12.73% | 14.69%-2.0pp | -8.64%+21.4pp | 14.69%-2.0pp |
| Employer contribution / active EE | $1,643 | $3,654-55.0% | $5,859-72.0% | $3,654-55.0% |
| Participant deferral / active EE | $5,511 | $4,079+35.1% | $4,555+21.0% | $4,079+35.1% |
| Admin fee / account holder | $6,871 | $12,045-43.0% | $15,727-56.3% | $12,045-43.0% |