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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 | $85,128 | $93,064-8.5% | $74,577+14.1% | $273,972-68.9% |
| Participation rate | 80.0% | 74.9%+5.1pp | 68.1%+11.9pp | 83.0%-3.0pp |
| Annual return | 5.85% | 26.18%-20.3pp | 20.47%-14.6pp | 41.46%-35.6pp |
| Employer contribution / active EE | $1,047 | $3,160-66.9% | $2,525-58.6% | $4,869-78.5% |
| Participant deferral / active EE | $6,671 | $4,160+60.3% | $3,458+92.9% | $5,287+26.2% |
| Admin fee / account holder | $532 | $5,273-89.9% | $4,138-87.2% | $10,133-94.8% |