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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 | $126,661-33.3% | $113,397-25.4% | $138,895-39.1% |
| Participation rate | 70.6% | 79.4%-8.9pp | 76.5%-5.9pp | 79.9%-9.3pp |
| Annual return | 16.71% | 25.05%-8.3pp | 23.20%-6.5pp | 145.39%-128.7pp |
| Employer contribution / active EE | $1,280 | $3,456-63.0% | $2,977-57.0% | $4,194-69.5% |
| Participant deferral / active EE | $6,023 | $5,693+5.8% | $5,076+18.6% | $6,396-5.8% |
| Admin fee / account holder | $3,114 | $14,549-78.6% | $11,957-74.0% | $12,562-75.2% |