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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 | $70,870 | $88,707-20.1% | $74,184-4.5% | $273,972-74.1% |
| Participation rate | 92.9% | 79.4%+13.4pp | 76.6%+16.2pp | 83.0%+9.8pp |
| Annual return | 4.87% | 11.94%-7.1pp | 17.74%-12.9pp | 41.46%-36.6pp |
| Employer contribution / active EE | $1,279 | $3,159-59.5% | $2,370-46.0% | $4,869-73.7% |
| Participant deferral / active EE | $7,299 | $4,212+73.3% | $3,550+105.6% | $5,287+38.0% |
| Admin fee / account holder | $309 | $8,717-96.5% | $5,586-94.5% | $10,133-96.9% |