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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 | $51,276 | $105,623-51.5% | $87,502-41.4% | $273,972-81.3% |
| Participation rate | 75.0% | 78.2%-3.2pp | 73.8%+1.2pp | 83.0%-8.0pp |
| Annual return | 3.63% | 12.26%-8.6pp | 12.21%-8.6pp | 41.46%-37.8pp |
| Employer contribution / active EE | $147 | $3,141-95.3% | $2,550-94.2% | $4,869-97.0% |
| Participant deferral / active EE | $3,381 | $3,601-6.1% | $3,149+7.4% | $5,287-36.1% |
| Admin fee / account holder | $3,266 | $4,781-31.7% | $4,221-22.6% | $10,133-67.8% |