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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 | $89,892 | $97,550-7.9% | $120,344-25.3% | $87,485+2.8% |
| Participation rate | 70.0% | 72.8%-2.8pp | 76.7%-6.7pp | 68.9%+1.1pp |
| Annual return | 17.49% | 18.41%-0.9pp | 20.30%-2.8pp | 26.06%-8.6pp |
| Employer contribution / active EE | $1,674 | $2,291-26.9% | $3,020-44.6% | $2,596-35.5% |
| Participant deferral / active EE | $4,072 | $4,230-3.7% | $5,135-20.7% | $4,274-4.7% |
| Admin fee / account holder | $1,267 | $9,543-86.7% | $12,742-90.1% | $7,775-83.7% |