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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 | $142,517 | $215,361-33.8% | $171,082-16.7% | $273,972-48.0% |
| Participation rate | 92.3% | 82.0%+10.3pp | 76.7%+15.6pp | 83.0%+9.3pp |
| Annual return | 3.12% | 25.14%-22.0pp | 32.56%-29.4pp | 41.46%-38.3pp |
| Employer contribution / active EE | $1,513 | $4,967-69.5% | $4,002-62.2% | $4,869-68.9% |
| Participant deferral / active EE | $5,366 | $5,543-3.2% | $4,797+11.9% | $5,287+1.5% |
| Admin fee / account holder | $3,930 | $10,846-63.8% | $8,520-53.9% | $10,133-61.2% |