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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 | $123,736 | $181,896-32.0% | $156,551-21.0% | $273,972-54.8% |
| Participation rate | 83.3% | 88.4%-5.1pp | 84.0%-0.7pp | 83.0%+0.3pp |
| Annual return | 15.67% | 30.74%-15.1pp | 32.23%-16.6pp | 41.46%-25.8pp |
| Employer contribution / active EE | $1,676 | $6,248-73.2% | $5,501-69.5% | $4,869-65.6% |
| Participant deferral / active EE | $8,200 | $5,550+47.7% | $4,871+68.3% | $5,287+55.1% |
| Admin fee / account holder | $5,141 | $15,560-67.0% | $13,028-60.5% | $10,133-49.3% |