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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 | $119,064 | $181,896-34.5% | $156,551-23.9% | $273,972-56.5% |
| Participation rate | 87.5% | 88.4%-0.9pp | 84.0%+3.5pp | 83.0%+4.5pp |
| Annual return | 6.05% | 30.74%-24.7pp | 32.23%-26.2pp | 41.46%-35.4pp |
| Employer contribution / active EE | $1,355 | $6,248-78.3% | $5,501-75.4% | $4,869-72.2% |
| Participant deferral / active EE | $4,869 | $5,550-12.3% | $4,8710% | $5,287-7.9% |
| Admin fee / account holder | $4,069 | $15,560-73.8% | $13,028-68.8% | $10,133-59.8% |