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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 | $101,781 | $105,623-3.6% | $87,502+16.3% | $273,972-62.8% |
| Participation rate | 72.7% | 78.2%-5.5pp | 73.8%-1.1pp | 83.0%-10.3pp |
| Annual return | 3.94% | 12.26%-8.3pp | 12.21%-8.3pp | 41.46%-37.5pp |
| Employer contribution / active EE | $947 | $3,141-69.8% | $2,550-62.8% | $4,869-80.5% |
| Participant deferral / active EE | $2,737 | $3,601-24.0% | $3,149-13.1% | $5,287-48.2% |
| Admin fee / account holder | $13,303 | $4,781+178.3% | $4,221+215.2% | $10,133+31.3% |