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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 | $138,038 | $113,941+21.1% | $94,229+46.5% | $125,389+10.1% |
| Participation rate | 88.9% | 82.9%+6.0pp | 78.8%+10.1pp | 83.2%+5.7pp |
| Annual return | 1.35% | 5.29%-3.9pp | 10.68%-9.3pp | 282.24%-280.9pp |
| Employer contribution / active EE | $3,613 | $4,727-23.6% | $3,587+0.7% | $4,866-25.8% |
| Participant deferral / active EE | $7,293 | $5,179+40.8% | $4,320+68.8% | $5,352+36.3% |
| Admin fee / account holder | $6,673 | $8,392-20.5% | $6,269+6.4% | $9,541-30.1% |