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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 | $87,628 | $199,109-56.0% | $173,730-49.6% | $154,746-43.4% |
| Participation rate | 72.7% | 82.8%-10.1pp | 79.6%-6.8pp | 80.7%-8.0pp |
| Annual return | 13.75% | 20.02%-6.3pp | 19.96%-6.2pp | 172.34%-158.6pp |
| Employer contribution / active EE | $3,331 | $5,311-37.3% | $4,577-27.2% | $4,379-23.9% |
| Participant deferral / active EE | $4,573 | $7,113-35.7% | $6,326-27.7% | $6,730-32.1% |
| Admin fee / account holder | $6,140 | $20,916-70.6% | $17,523-65.0% | $14,365-57.3% |