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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 | $81,736 | $93,064-12.2% | $74,577+9.6% | $273,972-70.2% |
| Participation rate | 80.0% | 74.9%+5.1pp | 68.1%+11.9pp | 83.0%-3.0pp |
| Annual return | 5.57% | 26.18%-20.6pp | 20.47%-14.9pp | 41.46%-35.9pp |
| Employer contribution / active EE | $1,000 | $3,160-68.4% | $2,525-60.4% | $4,869-79.5% |
| Participant deferral / active EE | $2,702 | $4,160-35.0% | $3,458-21.9% | $5,287-48.9% |
| Admin fee / account holder | $651 | $5,273-87.7% | $4,138-84.3% | $10,133-93.6% |