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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 | $105,738 | $117,904-10.3% | $102,457+3.2% | $145,978-27.6% |
| Participation rate | 75.0% | 78.6%-3.6pp | 76.5%-1.5pp | 80.3%-5.3pp |
| Annual return | 22.91% | 31.80%-8.9pp | 29.41%-6.5pp | 550.52%-527.6pp |
| Employer contribution / active EE | $3,171 | $3,613-12.2% | $3,022+4.9% | $4,662-32.0% |
| Participant deferral / active EE | $4,846 | $5,733-15.5% | $5,054-4.1% | $6,690-27.6% |
| Admin fee / account holder | $577 | $13,329-95.7% | $9,451-93.9% | $13,400-95.7% |