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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 | $39,063 | $99,343-60.7% | $84,751-53.9% | $273,968-85.7% |
| Participation rate | 73.3% | 80.7%-7.4pp | 76.6%-3.3pp | 83.0%-9.7pp |
| Annual return | 8.55% | 22.93%-14.4pp | 22.78%-14.2pp | 41.45%-32.9pp |
| Employer contribution / active EE | $2,096 | $4,214-50.3% | $3,574-41.4% | $4,869-57.0% |
| Participant deferral / active EE | $3,980 | $4,269-6.8% | $3,712+7.2% | $5,287-24.7% |
| Admin fee / account holder | $1,596 | $6,645-76.0% | $5,333-70.1% | $10,132-84.3% |