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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 | $123,184 | $181,896-32.3% | $156,551-21.3% | $273,972-55.0% |
| Participation rate | 80.0% | 88.4%-8.4pp | 84.0%-4.0pp | 83.0%-3.0pp |
| Annual return | 14.16% | 30.74%-16.6pp | 32.23%-18.1pp | 41.46%-27.3pp |
| Employer contribution / active EE | $1,533 | $6,248-75.5% | $5,501-72.1% | $4,869-68.5% |
| Participant deferral / active EE | $5,507 | $5,550-0.8% | $4,871+13.1% | $5,287+4.2% |
| Admin fee / account holder | $41,372 | $15,560+165.9% | $13,028+217.6% | $10,133+308.3% |