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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 | $62,695 | $64,909-3.4% | $82,312-23.8% | $62,293+0.6% |
| Participation rate | 71.0% | 74.9%-3.8pp | 76.9%-5.9pp | 69.5%+1.5pp |
| Annual return | 17.60% | 21.18%-3.6pp | 25.88%-8.3pp | 28.90%-11.3pp |
| Employer contribution / active EE | $1,442 | $1,676-13.9% | $2,428-40.6% | $2,042-29.4% |
| Participant deferral / active EE | $3,793 | $3,103+22.2% | $3,706+2.3% | $3,169+19.7% |
| Admin fee / account holder | $2,461 | $440+459.8% | $5,608-56.1% | $479+413.4% |