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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 | $61,430 | $96,558-36.4% | $80,977-24.1% | $273,972-77.6% |
| Participation rate | 80.0% | 79.1%+0.9pp | 75.8%+4.2pp | 83.0%-3.0pp |
| Annual return | 11.88% | 15.14%-3.3pp | 17.11%-5.2pp | 41.46%-29.6pp |
| Employer contribution / active EE | $1,548 | $4,869-68.2% | $3,715-58.3% | $4,869-68.2% |
| Participant deferral / active EE | $4,153 | $6,598-37.1% | $5,696-27.1% | $5,287-21.5% |
| Admin fee / account holder | $441 | $7,493-94.1% | $5,517-92.0% | $10,133-95.6% |