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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 | $58,714 | $84,518-30.5% | $67,704-13.3% | $125,389-53.2% |
| Participation rate | 79.2% | 74.8%+4.4pp | 67.5%+11.6pp | 83.2%-4.0pp |
| Annual return | 1.46% | 2.57%-1.1pp | 25.41%-24.0pp | 282.24%-280.8pp |
| Employer contribution / active EE | $2,249 | $3,292-31.7% | $2,559-12.1% | $4,866-53.8% |
| Participant deferral / active EE | $3,600 | $4,430-18.7% | $3,585+0.4% | $5,352-32.7% |
| Admin fee / account holder | $4,184 | $5,340-21.7% | $4,255-1.7% | $9,541-56.1% |