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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 | $99,525 | $126,661-21.4% | $113,397-12.2% | $138,895-28.3% |
| Participation rate | 71.4% | 79.4%-8.0pp | 76.5%-5.1pp | 79.9%-8.5pp |
| Annual return | 18.71% | 25.05%-6.3pp | 23.20%-4.5pp | 145.39%-126.7pp |
| Employer contribution / active EE | $2,830 | $3,456-18.1% | $2,977-4.9% | $4,194-32.5% |
| Participant deferral / active EE | $8,101 | $5,693+42.3% | $5,076+59.6% | $6,396+26.7% |
| Admin fee / account holder | $364 | $14,549-97.5% | $11,957-97.0% | $12,562-97.1% |