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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 | $72,761 | $69,977+4.0% | $108,582-33.0% | $62,881+15.7% |
| Participation rate | 78.3% | 72.9%+5.4pp | 79.6%-1.2pp | 69.3%+9.0pp |
| Annual return | 7.29% | 10.73%-3.4pp | -51.70%+59.0pp | 20.14%-12.9pp |
| Employer contribution / active EE | $954 | $2,135-55.3% | $3,758-74.6% | $2,281-58.2% |
| Participant deferral / active EE | $3,134 | $3,165-1.0% | $4,311-27.3% | $3,203-2.1% |
| Admin fee / account holder | $1,337 | $5,076-73.7% | $7,645-82.5% | $4,296-68.9% |