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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 | $153,394 | $181,896-15.7% | $156,551-2.0% | $273,972-44.0% |
| Participation rate | 80.0% | 88.4%-8.4pp | 84.0%-4.0pp | 83.0%-3.0pp |
| Annual return | 8.94% | 30.74%-21.8pp | 32.23%-23.3pp | 41.46%-32.5pp |
| Employer contribution / active EE | $3,112 | $6,248-50.2% | $5,501-43.4% | $4,869-36.1% |
| Participant deferral / active EE | $4,456 | $5,550-19.7% | $4,871-8.5% | $5,287-15.7% |
| Admin fee / account holder | $7,014 | $15,560-54.9% | $13,028-46.2% | $10,133-30.8% |