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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 | $61,850 | $101,798-39.2% | $165,071-62.5% | $80,935-23.6% |
| Participation rate | 71.4% | 71.8%-0.4pp | 78.6%-7.2pp | 67.7%+3.8pp |
| Annual return | 12.49% | 16.73%-4.2pp | 70.17%-57.7pp | 35.66%-23.2pp |
| Employer contribution / active EE | $2,376 | $2,954-19.6% | $4,347-45.3% | $2,757-13.8% |
| Participant deferral / active EE | $4,046 | $4,476-9.6% | $6,035-33.0% | $4,299-5.9% |
| Admin fee / account holder | $1,703 | $8,221-79.3% | $12,695-86.6% | $6,924-75.4% |