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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 | $28,168 | $215,361-86.9% | $171,082-83.5% | $273,972-89.7% |
| Participation rate | 77.3% | 82.0%-4.8pp | 76.7%+0.6pp | 83.0%-5.7pp |
| Annual return | 8.57% | 25.14%-16.6pp | 32.56%-24.0pp | 41.46%-32.9pp |
| Employer contribution / active EE | $1,181 | $4,967-76.2% | $4,002-70.5% | $4,869-75.8% |
| Participant deferral / active EE | $3,290 | $5,543-40.6% | $4,797-31.4% | $5,287-37.8% |
| Admin fee / account holder | $527 | $10,846-95.1% | $8,520-93.8% | $10,133-94.8% |