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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 | $130,912 | $199,109-34.3% | $173,730-24.6% | $154,746-15.4% |
| Participation rate | 71.4% | 82.8%-11.4pp | 79.6%-8.1pp | 80.7%-9.3pp |
| Annual return | 19.59% | 20.02%-0.4pp | 19.96%-0.4pp | 172.34%-152.7pp |
| Employer contribution / active EE | $2,926 | $5,311-44.9% | $4,577-36.1% | $4,379-33.2% |
| Participant deferral / active EE | $6,243 | $7,113-12.2% | $6,326-1.3% | $6,730-7.2% |
| Admin fee / account holder | $947 | $20,916-95.5% | $17,523-94.6% | $14,365-93.4% |