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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 | $126,716 | $215,361-41.2% | $171,082-25.9% | $273,972-53.7% |
| Participation rate | 84.6% | 82.0%+2.6pp | 76.7%+7.9pp | 83.0%+1.6pp |
| Annual return | 2.43% | 25.14%-22.7pp | 32.56%-30.1pp | 41.46%-39.0pp |
| Employer contribution / active EE | $1,538 | $4,967-69.0% | $4,002-61.6% | $4,869-68.4% |
| Participant deferral / active EE | $3,063 | $5,543-44.7% | $4,797-36.1% | $5,287-42.1% |
| Admin fee / account holder | $360 | $10,846-96.7% | $8,520-95.8% | $10,133-96.4% |