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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 | $59,362 | $93,617-36.6% | $135,982-56.3% | $75,177-21.0% |
| Participation rate | 74.6% | 75.2%-0.6pp | 81.9%-7.3pp | 67.2%+7.4pp |
| Annual return | 18.66% | 30.89%-12.2pp | 68.32%-49.7pp | 160.75%-142.1pp |
| Employer contribution / active EE | $1,351 | $3,538-61.8% | $4,859-72.2% | $2,671-49.4% |
| Participant deferral / active EE | $3,605 | $6,406-43.7% | $7,760-53.5% | $4,126-12.6% |
| Admin fee / account holder | $10,876 | $6,980+55.8% | $10,767+1.0% | $5,651+92.5% |