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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 | $95,404-39.5% | $113,397-49.1% | $82,637-30.1% |
| Participation rate | 75.6% | 72.8%+2.7pp | 76.5%-0.9pp | 68.1%+7.5pp |
| Annual return | 14.32% | 19.08%-4.8pp | 23.20%-8.9pp | 53.51%-39.2pp |
| Employer contribution / active EE | $1,257 | $2,307-45.5% | $2,977-57.8% | $2,552-50.8% |
| Participant deferral / active EE | $2,907 | $4,220-31.1% | $5,076-42.7% | $4,126-29.5% |
| Admin fee / account holder | $710 | $9,168-92.3% | $11,957-94.1% | $7,339-90.3% |