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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 | $84,056 | $88,707-5.2% | $74,184+13.3% | $273,972-69.3% |
| Participation rate | 72.7% | 79.4%-6.7pp | 76.6%-3.9pp | 83.0%-10.3pp |
| Annual return | 9.30% | 11.94%-2.6pp | 17.74%-8.4pp | 41.46%-32.2pp |
| Employer contribution / active EE | $1,204 | $3,159-61.9% | $2,370-49.2% | $4,869-75.3% |
| Participant deferral / active EE | $2,579 | $4,212-38.8% | $3,550-27.3% | $5,287-51.2% |
| Admin fee / account holder | $1,162 | $8,717-86.7% | $5,586-79.2% | $10,133-88.5% |