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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 | $66,791 | $88,996-25.0% | $78,004-14.4% | $138,895-51.9% |
| Participation rate | 77.8% | 74.4%+3.4pp | 69.4%+8.3pp | 79.9%-2.1pp |
| Annual return | 15.99% | 28.03%-12.0pp | 31.07%-15.1pp | 145.39%-129.4pp |
| Employer contribution / active EE | $1,598 | $2,917-45.2% | $2,469-35.3% | $4,194-61.9% |
| Participant deferral / active EE | $3,777 | $4,724-20.0% | $4,092-7.7% | $6,396-41.0% |
| Admin fee / account holder | $4,158 | $8,807-52.8% | $7,578-45.1% | $12,562-66.9% |