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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 | $62,197 | $106,864-41.8% | $147,318-57.8% | $82,637-24.7% |
| Participation rate | 70.6% | 75.5%-4.9pp | 82.1%-11.5pp | 68.1%+2.5pp |
| Annual return | 16.30% | 27.49%-11.2pp | 70.43%-54.1pp | 53.51%-37.2pp |
| Employer contribution / active EE | $1,579 | $3,417-53.8% | $4,593-65.6% | $2,552-38.1% |
| Participant deferral / active EE | $4,155 | $6,496-36.0% | $7,906-47.4% | $4,126+0.7% |
| Admin fee / account holder | $6,078 | $8,415-27.8% | $13,708-55.7% | $7,339-17.2% |