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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 | $123,398 | $96,558+27.8% | $80,977+52.4% | $273,972-55.0% |
| Participation rate | 75.0% | 79.1%-4.1pp | 75.8%-0.8pp | 83.0%-8.0pp |
| Annual return | 6.37% | 15.14%-8.8pp | 17.11%-10.7pp | 41.46%-35.1pp |
| Employer contribution / active EE | $2,080 | $4,869-57.3% | $3,715-44.0% | $4,869-57.3% |
| Participant deferral / active EE | $9,386 | $6,598+42.3% | $5,696+64.8% | $5,287+77.5% |
| Admin fee / account holder | $3,201 | $7,493-57.3% | $5,517-42.0% | $10,133-68.4% |