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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 | $119,737 | $181,896-34.2% | $156,551-23.5% | $273,972-56.3% |
| Participation rate | 88.9% | 88.4%+0.5pp | 84.0%+4.9pp | 83.0%+5.9pp |
| Annual return | 5.21% | 30.74%-25.5pp | 32.23%-27.0pp | 41.46%-36.2pp |
| Employer contribution / active EE | $5,095 | $6,248-18.5% | $5,501-7.4% | $4,869+4.6% |
| Participant deferral / active EE | $4,391 | $5,550-20.9% | $4,871-9.9% | $5,287-17.0% |
| Admin fee / account holder | $685 | $15,560-95.6% | $13,028-94.7% | $10,133-93.2% |