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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 | $72,659 | $78,707-7.7% | $117,861-38.4% | $70,126+3.6% |
| Participation rate | 71.4% | 73.2%-1.8pp | 79.7%-8.2pp | 69.5%+1.9pp |
| Annual return | 12.42% | 23.30%-10.9pp | 335.11%-322.7pp | 73.15%-60.7pp |
| Employer contribution / active EE | $1,307 | $2,223-41.2% | $3,786-65.5% | $2,343-44.2% |
| Participant deferral / active EE | $3,306 | $3,297+0.3% | $4,482-26.2% | $3,332-0.8% |
| Admin fee / account holder | $1,928 | $5,066-61.9% | $8,021-76.0% | $4,645-58.5% |