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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 | $188,904 | $60,349+213.0% | $74,184+154.6% | $62,881+200.4% |
| Participation rate | 77.8% | 72.7%+5.0pp | 76.6%+1.2pp | 69.3%+8.5pp |
| Annual return | 4.74% | 21.38%-16.6pp | 17.74%-13.0pp | 20.14%-15.4pp |
| Employer contribution / active EE | $1,021 | $1,680-39.2% | $2,370-56.9% | $2,281-55.2% |
| Participant deferral / active EE | $2,863 | $2,856+0.2% | $3,550-19.3% | $3,203-10.6% |
| Admin fee / account holder | $9,112 | $4,261+113.8% | $5,586+63.1% | $4,296+112.1% |