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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 | $103,465 | $184,014-43.8% | $161,149-35.8% | $138,895-25.5% |
| Participation rate | 86.7% | 82.1%+4.6pp | 78.8%+7.8pp | 79.9%+6.7pp |
| Annual return | 12.96% | 21.52%-8.6pp | 21.16%-8.2pp | 145.39%-132.4pp |
| Employer contribution / active EE | $1,560 | $5,055-69.1% | $4,360-64.2% | $4,194-62.8% |
| Participant deferral / active EE | $2,810 | $6,909-59.3% | $6,153-54.3% | $6,396-56.1% |
| Admin fee / account holder | $1,475 | $18,027-91.8% | $15,194-90.3% | $12,562-88.3% |