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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 | $99,348 | $99,3450% | $84,753+17.2% | $273,972-63.7% |
| Participation rate | 76.9% | 80.7%-3.8pp | 76.6%+0.3pp | 83.0%-6.1pp |
| Annual return | 7.15% | 22.93%-15.8pp | 22.78%-15.6pp | 41.46%-34.3pp |
| Employer contribution / active EE | $1,558 | $4,214-63.0% | $3,574-56.4% | $4,869-68.0% |
| Participant deferral / active EE | $5,135 | $4,270+20.3% | $3,712+38.3% | $5,287-2.9% |
| Admin fee / account holder | $890 | $6,645-86.6% | $5,333-83.3% | $10,133-91.2% |