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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 | $64,114 | $96,558-33.6% | $80,977-20.8% | $273,972-76.6% |
| Participation rate | 78.9% | 79.1%-0.1pp | 75.8%+3.1pp | 83.0%-4.1pp |
| Annual return | 12.69% | 15.14%-2.5pp | 17.11%-4.4pp | 41.46%-28.8pp |
| Employer contribution / active EE | $1,659 | $4,869-65.9% | $3,715-55.3% | $4,869-65.9% |
| Participant deferral / active EE | $5,515 | $6,598-16.4% | $5,696-3.2% | $5,287+4.3% |
| Admin fee / account holder | $402 | $7,493-94.6% | $5,517-92.7% | $10,133-96.0% |