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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 | $90,478 | $100,970-10.4% | $96,576-6.3% | $137,256-34.1% |
| Participation rate | 82.4% | 82.6%-0.3pp | 81.4%+0.9pp | 80.0%+2.4pp |
| Annual return | 15.46% | 38.16%-22.7pp | 38.47%-23.0pp | 220.34%-204.9pp |
| Employer contribution / active EE | $1,578 | $3,809-58.6% | $3,553-55.6% | $4,156-62.0% |
| Participant deferral / active EE | $3,545 | $8,286-57.2% | $7,956-55.4% | $6,407-44.7% |
| Admin fee / account holder | $774 | $11,312-93.2% | $11,381-93.2% | $12,270-93.7% |