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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 | $57,731 | $100,194-42.4% | $122,979-53.1% | $86,983-33.6% |
| Participation rate | 75.6% | 73.0%+2.6pp | 77.2%-1.6pp | 69.5%+6.0pp |
| Annual return | 14.32% | 16.47%-2.2pp | 20.12%-5.8pp | 25.83%-11.5pp |
| Employer contribution / active EE | $1,257 | $2,326-46.0% | $3,062-59.0% | $2,584-51.4% |
| Participant deferral / active EE | $2,907 | $4,133-29.7% | $5,003-41.9% | $4,194-30.7% |
| Admin fee / account holder | $710 | $10,148-93.0% | $12,864-94.5% | $7,856-91.0% |