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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 | $25,464 | $88,707-71.3% | $74,184-65.7% | $273,972-90.7% |
| Participation rate | 79.2% | 79.4%-0.3pp | 76.6%+2.5pp | 83.0%-3.8pp |
| Annual return | 6.53% | 11.94%-5.4pp | 17.74%-11.2pp | 41.46%-34.9pp |
| Employer contribution / active EE | $2,083 | $3,159-34.1% | $2,370-12.1% | $4,869-57.2% |
| Participant deferral / active EE | $2,270 | $4,212-46.1% | $3,550-36.0% | $5,287-57.1% |
| Admin fee / account holder | $375 | $8,717-95.7% | $5,586-93.3% | $10,133-96.3% |