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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 | $45,406 | $102,609-55.7% | $98,090-53.7% | $138,895-67.3% |
| Participation rate | 81.0% | 82.8%-1.8pp | 81.5%-0.6pp | 79.9%+1.0pp |
| Annual return | 21.41% | 36.44%-15.0pp | 37.05%-15.6pp | 145.39%-124.0pp |
| Employer contribution / active EE | $2,932 | $3,867-24.2% | $3,606-18.7% | $4,194-30.1% |
| Participant deferral / active EE | $7,118 | $8,167-12.9% | $7,845-9.3% | $6,396+11.3% |
| Admin fee / account holder | $5,290 | $11,434-53.7% | $11,815-55.2% | $12,562-57.9% |