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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 | $32,866 | $181,896-81.9% | $156,551-79.0% | $273,972-88.0% |
| Participation rate | 81.8% | 88.4%-6.6pp | 84.0%-2.2pp | 83.0%-1.2pp |
| Annual return | 5.71% | 30.74%-25.0pp | 32.23%-26.5pp | 41.46%-35.7pp |
| Employer contribution / active EE | $5,614 | $6,248-10.1% | $5,501+2.1% | $4,869+15.3% |
| Participant deferral / active EE | $5,417 | $5,550-2.4% | $4,871+11.2% | $5,287+2.5% |
| Admin fee / account holder | $1,216 | $15,560-92.2% | $13,028-90.7% | $10,133-88.0% |