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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 | $134,874 | $181,896-25.9% | $156,551-13.8% | $273,972-50.8% |
| Participation rate | 75.0% | 88.4%-13.4pp | 84.0%-9.0pp | 83.0%-8.0pp |
| Annual return | 2.93% | 30.74%-27.8pp | 32.23%-29.3pp | 41.46%-38.5pp |
| Employer contribution / active EE | $2,476 | $6,248-60.4% | $5,501-55.0% | $4,869-49.1% |
| Participant deferral / active EE | $6,035 | $5,550+8.7% | $4,871+23.9% | $5,287+14.1% |
| Admin fee / account holder | $890 | $15,560-94.3% | $13,028-93.2% | $10,133-91.2% |