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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 | $76,123 | $72,486+5.0% | $87,103-12.6% | $72,976+4.3% |
| Participation rate | 74.6% | 72.8%+1.8pp | 76.9%-2.2pp | 69.5%+5.1pp |
| Annual return | 19.39% | 24.46%-5.1pp | 28.19%-8.8pp | 81.02%-61.6pp |
| Employer contribution / active EE | $479 | $1,894-74.7% | $2,521-81.0% | $2,440-80.4% |
| Participant deferral / active EE | $2,528 | $3,270-22.7% | $4,049-37.6% | $3,608-29.9% |
| Admin fee / account holder | $1,394 | $5,055-72.4% | $7,491-81.4% | $5,124-72.8% |