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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 | $123,018 | $111,814+10.0% | $103,378+19.0% | $145,978-15.7% |
| Participation rate | 71.4% | 77.9%-6.5pp | 74.5%-3.1pp | 80.3%-8.9pp |
| Annual return | 11.38% | 24.80%-13.4pp | 24.91%-13.5pp | 550.52%-539.1pp |
| Employer contribution / active EE | $2,461 | $4,215-41.6% | $3,870-36.4% | $4,662-47.2% |
| Participant deferral / active EE | $4,277 | $5,618-23.9% | $5,058-15.4% | $6,690-36.1% |
| Admin fee / account holder | $5,019 | $9,764-48.6% | $8,401-40.3% | $13,400-62.5% |