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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 | $62,709 | $86,949-27.9% | $102,460-38.8% | $80,959-22.5% |
| Participation rate | 70.0% | 72.4%-2.4pp | 76.5%-6.5pp | 67.7%+2.3pp |
| Annual return | 11.03% | 18.89%-7.9pp | 29.47%-18.4pp | 35.67%-24.6pp |
| Employer contribution / active EE | $1,345 | $2,370-43.3% | $3,025-55.6% | $2,757-51.2% |
| Participant deferral / active EE | $3,915 | $4,121-5.0% | $5,056-22.6% | $4,300-9.0% |
| Admin fee / account holder | $2,989 | $8,048-62.9% | $9,460-68.4% | $6,925-56.8% |