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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 | $129,982 | $138,385-6.1% | $184,243-29.5% | $80,925+60.6% |
| Participation rate | 77.8% | 83.9%-6.1pp | 86.8%-9.0pp | 67.7%+10.1pp |
| Annual return | 18.87% | 20.02%-1.2pp | 28.82%-10.0pp | 35.65%-16.8pp |
| Employer contribution / active EE | $1,997 | $4,851-58.8% | $6,427-68.9% | $2,756-27.5% |
| Participant deferral / active EE | $4,924 | $7,075-30.4% | $9,132-46.1% | $4,299+14.5% |
| Admin fee / account holder | $2,480 | $10,489-76.4% | $13,914-82.2% | $6,940-64.3% |