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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 | $74,391 | $105,623-29.6% | $87,502-15.0% | $273,972-72.8% |
| Participation rate | 81.8% | 78.2%+3.6pp | 73.8%+8.0pp | 83.0%-1.2pp |
| Annual return | 2.74% | 12.26%-9.5pp | 12.21%-9.5pp | 41.46%-38.7pp |
| Employer contribution / active EE | $8,671 | $3,141+176.1% | $2,550+240.1% | $4,869+78.1% |
| Participant deferral / active EE | $7,276 | $3,601+102.1% | $3,149+131.1% | $5,287+37.6% |
| Admin fee / account holder | $888 | $4,781-81.4% | $4,221-79.0% | $10,133-91.2% |