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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 | $103,922 | $136,860-24.1% | $120,344-13.6% | $154,746-32.8% |
| Participation rate | 75.0% | 79.9%-4.9pp | 76.7%-1.7pp | 80.7%-5.7pp |
| Annual return | 14.61% | 21.38%-6.8pp | 20.30%-5.7pp | 172.34%-157.7pp |
| Employer contribution / active EE | $1,808 | $3,533-48.8% | $3,020-40.1% | $4,379-58.7% |
| Participant deferral / active EE | $8,923 | $5,793+54.0% | $5,135+73.8% | $6,730+32.6% |
| Admin fee / account holder | $1,777 | $15,393-88.5% | $12,742-86.1% | $14,365-87.6% |