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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 | $79,308 | $86,949-8.8% | $102,460-22.6% | $80,959-2.0% |
| Participation rate | 70.1% | 72.4%-2.2pp | 76.5%-6.4pp | 67.7%+2.5pp |
| Annual return | 13.20% | 18.89%-5.7pp | 29.47%-16.3pp | 35.67%-22.5pp |
| Employer contribution / active EE | $1,243 | $2,370-47.5% | $3,025-58.9% | $2,757-54.9% |
| Participant deferral / active EE | $3,755 | $4,121-8.9% | $5,056-25.7% | $4,300-12.7% |
| Admin fee / account holder | $815 | $8,048-89.9% | $9,460-91.4% | $6,925-88.2% |