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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 | $87,335 | $155,555-43.9% | $146,866-40.5% | $155,188-43.7% |
| Participation rate | 71.4% | 84.0%-12.5pp | 82.5%-11.1pp | 80.8%-9.4pp |
| Annual return | 14.78% | 115.41%-100.6pp | 102.85%-88.1pp | 148.84%-134.1pp |
| Employer contribution / active EE | $1,850 | $4,647-60.2% | $4,425-58.2% | $4,248-56.5% |
| Participant deferral / active EE | $7,680 | $8,044-4.5% | $7,759-1.0% | $6,531+17.6% |
| Admin fee / account holder | $6,798 | $14,755-53.9% | $13,620-50.1% | $14,480-53.1% |