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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 | $121,622 | $162,967-25.4% | $135,792-10.4% | $138,895-12.4% |
| Participation rate | 92.9% | 78.3%+14.5pp | 72.6%+20.3pp | 79.9%+12.9pp |
| Annual return | 11.74% | 30.08%-18.3pp | 25.96%-14.2pp | 145.39%-133.7pp |
| Employer contribution / active EE | $4,754 | $4,211+12.9% | $3,496+36.0% | $4,194+13.4% |
| Participant deferral / active EE | $5,824 | $5,640+3.3% | $4,759+22.4% | $6,396-8.9% |
| Admin fee / account holder | $3,801 | $15,306-75.2% | $12,266-69.0% | $12,562-69.7% |