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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 | $83,627 | $87,546-4.5% | $75,784+10.3% | $125,389-33.3% |
| Participation rate | 76.9% | 80.2%-3.3pp | 75.8%+1.1pp | 83.2%-6.3pp |
| Annual return | 0.39% | 13.49%-13.1pp | 9.68%-9.3pp | 282.24%-281.8pp |
| Employer contribution / active EE | $980 | $3,930-75.1% | $3,323-70.5% | $4,866-79.9% |
| Participant deferral / active EE | $4,626 | $4,230+9.4% | $3,652+26.7% | $5,352-13.6% |
| Admin fee / account holder | $726 | $6,503-88.8% | $5,300-86.3% | $9,541-92.4% |