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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 | $71,123 | $64,359+10.5% | $90,161-21.1% | $70,124+1.4% |
| Participation rate | 80.0% | 70.4%+9.6pp | 76.9%+3.1pp | 69.5%+10.5pp |
| Annual return | 18.88% | 28.13%-9.3pp | 34.89%-16.0pp | 73.14%-54.3pp |
| Employer contribution / active EE | $580 | $2,046-71.7% | $3,318-82.5% | $2,342-75.2% |
| Participant deferral / active EE | $3,031 | $4,389-30.9% | $5,287-42.7% | $3,332-9.0% |
| Admin fee / account holder | $5,870 | $3,945+48.8% | $5,943-1.2% | $4,645+26.4% |