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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 | $39,333 | $95,453-58.8% | $112,040-64.9% | $82,448-52.3% |
| Participation rate | 70.0% | 72.8%-2.8pp | 76.5%-6.5pp | 68.1%+1.9pp |
| Annual return | 17.82% | 23.92%-6.1pp | 24.52%-6.7pp | 41.64%-23.8pp |
| Employer contribution / active EE | $1,683 | $2,318-27.4% | $2,954-43.0% | $2,551-34.0% |
| Participant deferral / active EE | $4,349 | $4,224+3.0% | $5,098-14.7% | $4,139+5.1% |
| Admin fee / account holder | $383 | $9,013-95.7% | $12,098-96.8% | $7,234-94.7% |