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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 | $52,833 | $60,349-12.5% | $74,184-28.8% | $62,881-16.0% |
| Participation rate | 72.3% | 72.7%-0.4pp | 76.6%-4.3pp | 69.3%+3.0pp |
| Annual return | 7.10% | 21.38%-14.3pp | 17.74%-10.6pp | 20.14%-13.0pp |
| Employer contribution / active EE | $1,173 | $1,680-30.2% | $2,370-50.5% | $2,281-48.6% |
| Participant deferral / active EE | $2,826 | $2,856-1.1% | $3,550-20.4% | $3,203-11.8% |
| Admin fee / account holder | $1,781 | $4,261-58.2% | $5,586-68.1% | $4,296-58.5% |