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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 | $41,819 | $88,707-52.9% | $74,184-43.6% | $273,972-84.7% |
| Participation rate | 77.8% | 79.4%-1.7pp | 76.6%+1.2pp | 83.0%-5.2pp |
| Annual return | 11.23% | 11.94%-0.7pp | 17.74%-6.5pp | 41.46%-30.2pp |
| Employer contribution / active EE | $1,097 | $3,159-65.3% | $2,370-53.7% | $4,869-77.5% |
| Participant deferral / active EE | $5,169 | $4,212+22.7% | $3,550+45.6% | $5,287-2.2% |
| Admin fee / account holder | $507 | $8,717-94.2% | $5,586-90.9% | $10,133-95.0% |