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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 | $80,657 | $95,453-15.5% | $112,040-28.0% | $82,448-2.2% |
| Participation rate | 73.8% | 72.8%+1.1pp | 76.5%-2.7pp | 68.1%+5.7pp |
| Annual return | 12.56% | 23.92%-11.4pp | 24.52%-12.0pp | 41.64%-29.1pp |
| Employer contribution / active EE | $1,294 | $2,318-44.2% | $2,954-56.2% | $2,551-49.3% |
| Participant deferral / active EE | $2,873 | $4,224-32.0% | $5,098-43.6% | $4,139-30.6% |
| Admin fee / account holder | $4,400 | $9,013-51.2% | $12,098-63.6% | $7,234-39.2% |