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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 | $59,739 | $93,346-36.0% | $71,796-16.8% | $273,972-78.2% |
| Participation rate | 70.0% | 76.5%-6.5pp | 69.1%+0.9pp | 83.0%-13.0pp |
| Annual return | 7.95% | 130.39%-122.4pp | 78.04%-70.1pp | 41.46%-33.5pp |
| Employer contribution / active EE | $1,435 | $2,733-47.5% | $1,924-25.5% | $4,869-70.5% |
| Participant deferral / active EE | $2,249 | $3,475-35.3% | $2,794-19.5% | $5,287-57.5% |
| Admin fee / account holder | $7,740 | $6,571+17.8% | $4,815+60.8% | $10,133-23.6% |