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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 | $146,354 | $215,361-32.0% | $171,082-14.5% | $273,972-46.6% |
| Participation rate | 80.0% | 82.0%-2.0pp | 76.7%+3.3pp | 83.0%-3.0pp |
| Annual return | 7.88% | 25.14%-17.3pp | 32.56%-24.7pp | 41.46%-33.6pp |
| Employer contribution / active EE | $2,010 | $4,967-59.5% | $4,002-49.8% | $4,869-58.7% |
| Participant deferral / active EE | $8,712 | $5,543+57.2% | $4,797+81.6% | $5,287+64.8% |
| Admin fee / account holder | $1,332 | $10,846-87.7% | $8,520-84.4% | $10,133-86.9% |