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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 | $107,656 | $96,956+11.0% | $69,779+54.3% | $273,972-60.7% |
| Participation rate | 78.9% | 77.1%+1.9pp | 71.8%+7.1pp | 83.0%-4.1pp |
| Annual return | 3.81% | 12.93%-9.1pp | 12.99%-9.2pp | 41.46%-37.6pp |
| Employer contribution / active EE | $309 | $3,316-90.7% | $2,338-86.8% | $4,869-93.7% |
| Participant deferral / active EE | $3,342 | $3,744-10.7% | $2,931+14.0% | $5,287-36.8% |
| Admin fee / account holder | $1,029 | $7,934-87.0% | $4,381-76.5% | $10,133-89.8% |