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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 | $73,958 | $100,194-26.2% | $122,979-39.9% | $86,983-15.0% |
| Participation rate | 73.7% | 73.0%+0.7pp | 77.2%-3.5pp | 69.5%+4.1pp |
| Annual return | 15.83% | 16.47%-0.6pp | 20.12%-4.3pp | 25.83%-10.0pp |
| Employer contribution / active EE | $1,127 | $2,326-51.5% | $3,062-63.2% | $2,584-56.4% |
| Participant deferral / active EE | $3,115 | $4,133-24.6% | $5,003-37.7% | $4,194-25.7% |
| Admin fee / account holder | $1,736 | $10,148-82.9% | $12,864-86.5% | $7,856-77.9% |