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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 | $78,123 | $110,137-29.1% | $161,149-51.5% | $82,637-5.5% |
| Participation rate | 71.4% | 72.4%-0.9pp | 78.8%-7.4pp | 68.1%+3.4pp |
| Annual return | 13.33% | 20.69%-7.4pp | 21.16%-7.8pp | 53.51%-40.2pp |
| Employer contribution / active EE | $2,464 | $2,856-13.7% | $4,360-43.5% | $2,552-3.5% |
| Participant deferral / active EE | $4,783 | $4,575+4.6% | $6,153-22.3% | $4,126+15.9% |
| Admin fee / account holder | $2,591 | $9,467-72.6% | $15,194-83.0% | $7,339-64.7% |