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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 | $78,631 | $124,425-36.8% | $112,040-29.8% | $137,256-42.7% |
| Participation rate | 83.3% | 79.3%+4.0pp | 76.5%+6.8pp | 80.0%+3.4pp |
| Annual return | 16.14% | 24.72%-8.6pp | 24.52%-8.4pp | 220.34%-204.2pp |
| Employer contribution / active EE | $1,835 | $3,411-46.2% | $2,954-37.9% | $4,156-55.8% |
| Participant deferral / active EE | $4,187 | $5,718-26.8% | $5,098-17.9% | $6,407-34.7% |
| Admin fee / account holder | $8,486 | $15,207-44.2% | $12,098-29.9% | $12,270-30.8% |