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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 | $71,695 | $99,345-27.8% | $84,753-15.4% | $273,972-73.8% |
| Participation rate | 75.0% | 80.7%-5.7pp | 76.6%-1.6pp | 83.0%-8.0pp |
| Annual return | 6.62% | 22.93%-16.3pp | 22.78%-16.2pp | 41.46%-34.8pp |
| Employer contribution / active EE | $1,984 | $4,214-52.9% | $3,574-44.5% | $4,869-59.2% |
| Participant deferral / active EE | $5,068 | $4,270+18.7% | $3,712+36.5% | $5,287-4.1% |
| Admin fee / account holder | $2,522 | $6,645-62.0% | $5,333-52.7% | $10,133-75.1% |