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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 | $105,136 | $181,896-42.2% | $156,551-32.8% | $273,972-61.6% |
| Participation rate | 88.9% | 88.4%+0.5pp | 84.0%+4.9pp | 83.0%+5.9pp |
| Annual return | 3.67% | 30.74%-27.1pp | 32.23%-28.6pp | 41.46%-37.8pp |
| Employer contribution / active EE | $5,234 | $6,248-16.2% | $5,501-4.9% | $4,869+7.5% |
| Participant deferral / active EE | $5,776 | $5,550+4.1% | $4,871+18.6% | $5,287+9.2% |
| Admin fee / account holder | $1,837 | $15,560-88.2% | $13,028-85.9% | $10,133-81.9% |