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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 | $36,355 | $136,860-73.4% | $120,344-69.8% | $154,746-76.5% |
| Participation rate | 75.0% | 79.9%-4.9pp | 76.7%-1.7pp | 80.7%-5.7pp |
| Annual return | 12.82% | 21.38%-8.6pp | 20.30%-7.5pp | 172.34%-159.5pp |
| Employer contribution / active EE | $1,212 | $3,533-65.7% | $3,020-59.9% | $4,379-72.3% |
| Participant deferral / active EE | $8,715 | $5,793+50.4% | $5,135+69.7% | $6,730+29.5% |
| Admin fee / account holder | $1,177 | $15,393-92.4% | $12,742-90.8% | $14,365-91.8% |