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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 | $152,084 | $181,896-16.4% | $156,551-2.9% | $273,972-44.5% |
| Participation rate | 94.4% | 88.4%+6.1pp | 84.0%+10.4pp | 83.0%+11.4pp |
| Annual return | 3.00% | 30.74%-27.7pp | 32.23%-29.2pp | 41.46%-38.5pp |
| Employer contribution / active EE | $3,364 | $6,248-46.2% | $5,501-38.8% | $4,869-30.9% |
| Participant deferral / active EE | $8,908 | $5,550+60.5% | $4,871+82.9% | $5,287+68.5% |
| Admin fee / account holder | $1,215 | $15,560-92.2% | $13,028-90.7% | $10,133-88.0% |