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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 | $58,575 | $181,896-67.8% | $156,551-62.6% | $273,972-78.6% |
| Participation rate | 82.6% | 88.4%-5.8pp | 84.0%-1.4pp | 83.0%-0.4pp |
| Annual return | 2.99% | 30.74%-27.8pp | 32.23%-29.2pp | 41.46%-38.5pp |
| Employer contribution / active EE | $5,402 | $6,248-13.5% | $5,501-1.8% | $4,869+11.0% |
| Participant deferral / active EE | $4,849 | $5,550-12.6% | $4,871-0.4% | $5,287-8.3% |
| Admin fee / account holder | $935 | $15,560-94.0% | $13,028-92.8% | $10,133-90.8% |