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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 | $84,543 | $124,425-32.1% | $112,040-24.5% | $137,256-38.4% |
| Participation rate | 70.6% | 79.3%-8.7pp | 76.5%-5.9pp | 80.0%-9.4pp |
| Annual return | 16.71% | 24.72%-8.0pp | 24.52%-7.8pp | 220.34%-203.6pp |
| Employer contribution / active EE | $1,280 | $3,411-62.5% | $2,954-56.7% | $4,156-69.2% |
| Participant deferral / active EE | $6,023 | $5,718+5.3% | $5,098+18.2% | $6,407-6.0% |
| Admin fee / account holder | $3,114 | $15,207-79.5% | $12,098-74.3% | $12,270-74.6% |