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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 | $89,573 | $181,896-50.8% | $156,551-42.8% | $273,972-67.3% |
| Participation rate | 90.9% | 88.4%+2.5pp | 84.0%+6.9pp | 83.0%+7.9pp |
| Annual return | 5.83% | 30.74%-24.9pp | 32.23%-26.4pp | 41.46%-35.6pp |
| Employer contribution / active EE | $1,417 | $6,248-77.3% | $5,501-74.2% | $4,869-70.9% |
| Participant deferral / active EE | $3,211 | $5,550-42.1% | $4,871-34.1% | $5,287-39.3% |
| Admin fee / account holder | $902 | $15,560-94.2% | $13,028-93.1% | $10,133-91.1% |