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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 | $92,253 | $99,345-7.1% | $84,753+8.8% | $273,972-66.3% |
| Participation rate | 71.4% | 80.7%-9.3pp | 76.6%-5.2pp | 83.0%-11.6pp |
| Annual return | 6.93% | 22.93%-16.0pp | 22.78%-15.9pp | 41.46%-34.5pp |
| Employer contribution / active EE | $8,464 | $4,214+100.9% | $3,574+136.8% | $4,869+73.8% |
| Participant deferral / active EE | $5,286 | $4,270+23.8% | $3,712+42.4% | $5,2870% |
| Admin fee / account holder | $469 | $6,645-92.9% | $5,333-91.2% | $10,133-95.4% |