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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 | $127,519 | $181,896-29.9% | $156,551-18.5% | $273,972-53.5% |
| Participation rate | 83.3% | 88.4%-5.1pp | 84.0%-0.7pp | 83.0%+0.3pp |
| Annual return | 6.33% | 30.74%-24.4pp | 32.23%-25.9pp | 41.46%-35.1pp |
| Employer contribution / active EE | $3,954 | $6,248-36.7% | $5,501-28.1% | $4,869-18.8% |
| Participant deferral / active EE | $5,234 | $5,550-5.7% | $4,871+7.5% | $5,287-1.0% |
| Admin fee / account holder | $11,756 | $15,560-24.4% | $13,028-9.8% | $10,133+16.0% |