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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 | $65,396 | $72,177-9.4% | $115,038-43.2% | $59,633+9.7% |
| Participation rate | 72.6% | 72.6%+0.1pp | 81.4%-8.7pp | 68.7%+4.0pp |
| Annual return | 8.30% | 12.02%-3.7pp | 26.14%-17.8pp | 2041.45%-2033.1pp |
| Employer contribution / active EE | $3,126 | $2,841+10.0% | $4,608-32.2% | $2,203+41.9% |
| Participant deferral / active EE | $7,352 | $4,783+53.7% | $6,026+22.0% | $3,192+130.3% |
| Admin fee / account holder | $1,304 | $4,927-73.5% | $8,175-84.0% | $4,297-69.7% |