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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 | $76,774 | $86,919-11.7% | $102,457-25.1% | $80,911-5.1% |
| Participation rate | 70.6% | 72.4%-1.8pp | 76.5%-5.9pp | 67.6%+2.9pp |
| Annual return | 16.09% | 18.90%-2.8pp | 29.41%-13.3pp | 35.63%-19.5pp |
| Employer contribution / active EE | $1,086 | $2,368-54.2% | $3,022-64.1% | $2,756-60.6% |
| Participant deferral / active EE | $2,664 | $4,119-35.3% | $5,054-47.3% | $4,297-38.0% |
| Admin fee / account holder | $1,761 | $8,049-78.1% | $9,451-81.4% | $6,935-74.6% |