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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 | $63,953 | $101,798-37.2% | $165,071-61.3% | $80,935-21.0% |
| Participation rate | 71.4% | 71.8%-0.4pp | 78.6%-7.2pp | 67.7%+3.8pp |
| Annual return | 13.07% | 16.73%-3.7pp | 70.17%-57.1pp | 35.66%-22.6pp |
| Employer contribution / active EE | $2,131 | $2,954-27.9% | $4,347-51.0% | $2,757-22.7% |
| Participant deferral / active EE | $6,748 | $4,476+50.7% | $6,035+11.8% | $4,299+56.9% |
| Admin fee / account holder | $452 | $8,221-94.5% | $12,695-96.4% | $6,924-93.5% |