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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 | $77,583 | $69,977+10.9% | $108,582-28.5% | $62,881+23.4% |
| Participation rate | 72.4% | 72.9%-0.5pp | 79.6%-7.2pp | 69.3%+3.1pp |
| Annual return | 6.87% | 10.73%-3.9pp | -51.70%+58.6pp | 20.14%-13.3pp |
| Employer contribution / active EE | $747 | $2,135-65.0% | $3,758-80.1% | $2,281-67.2% |
| Participant deferral / active EE | $3,661 | $3,165+15.7% | $4,311-15.1% | $3,203+14.3% |
| Admin fee / account holder | $3,443 | $5,076-32.2% | $7,645-55.0% | $4,296-19.8% |