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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 | $64,061 | $153,769-58.3% | $133,975-52.2% | $273,972-76.6% |
| Participation rate | 83.3% | 88.4%-5.0pp | 87.1%-3.7pp | 83.0%+0.3pp |
| Annual return | 7.47% | 36.51%-29.0pp | 29.29%-21.8pp | 41.46%-34.0pp |
| Employer contribution / active EE | $1,916 | $6,029-68.2% | $5,211-63.2% | $4,869-60.6% |
| Participant deferral / active EE | $5,016 | $6,958-27.9% | $6,282-20.2% | $5,287-5.1% |
| Admin fee / account holder | $11,215 | $11,765-4.7% | $9,324+20.3% | $10,133+10.7% |