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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 | $90,252 | $136,860-34.1% | $120,344-25.0% | $154,746-41.7% |
| Participation rate | 75.0% | 79.9%-4.9pp | 76.7%-1.7pp | 80.7%-5.7pp |
| Annual return | 12.08% | 21.38%-9.3pp | 20.30%-8.2pp | 172.34%-160.3pp |
| Employer contribution / active EE | $1,963 | $3,533-44.4% | $3,020-35.0% | $4,379-55.2% |
| Participant deferral / active EE | $3,861 | $5,793-33.3% | $5,135-24.8% | $6,730-42.6% |
| Admin fee / account holder | $1,513 | $15,393-90.2% | $12,742-88.1% | $14,365-89.5% |