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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 | $99,875-37.7% | $146,866-57.7% | $86,983-28.5% |
| Participation rate | 70.6% | 75.8%-5.2pp | 82.5%-11.9pp | 69.5%+1.0pp |
| Annual return | 16.30% | 28.10%-11.8pp | 102.85%-86.6pp | 25.83%-9.5pp |
| Employer contribution / active EE | $1,579 | $3,224-51.0% | $4,425-64.3% | $2,584-38.9% |
| Participant deferral / active EE | $4,155 | $6,322-34.3% | $7,759-46.4% | $4,194-0.9% |
| Admin fee / account holder | $6,078 | $7,838-22.5% | $13,620-55.4% | $7,856-22.6% |