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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 | $60,989 | $60,349+1.1% | $74,184-17.8% | $62,881-3.0% |
| Participation rate | 72.4% | 72.7%-0.3pp | 76.6%-4.2pp | 69.3%+3.1pp |
| Annual return | 7.37% | 21.38%-14.0pp | 17.74%-10.4pp | 20.14%-12.8pp |
| Employer contribution / active EE | $866 | $1,680-48.4% | $2,370-63.4% | $2,281-62.0% |
| Participant deferral / active EE | $6,467 | $2,856+126.4% | $3,550+82.2% | $3,203+101.9% |
| Admin fee / account holder | $1,180 | $4,261-72.3% | $5,586-78.9% | $4,296-72.5% |