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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 | $88,486 | $181,896-51.4% | $156,551-43.5% | $273,972-67.7% |
| Participation rate | 90.9% | 88.4%+2.5pp | 84.0%+6.9pp | 83.0%+7.9pp |
| Annual return | 6.77% | 30.74%-24.0pp | 32.23%-25.5pp | 41.46%-34.7pp |
| Employer contribution / active EE | $4,634 | $6,248-25.8% | $5,501-15.8% | $4,869-4.8% |
| Participant deferral / active EE | $4,337 | $5,550-21.9% | $4,871-11.0% | $5,287-18.0% |
| Admin fee / account holder | $4,944 | $15,560-68.2% | $13,028-62.1% | $10,133-51.2% |