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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 | $145,014 | $215,361-32.7% | $171,082-15.2% | $273,972-47.1% |
| Participation rate | 83.3% | 82.0%+1.3pp | 76.7%+6.6pp | 83.0%+0.3pp |
| Annual return | 6.81% | 25.14%-18.3pp | 32.56%-25.7pp | 41.46%-34.6pp |
| Employer contribution / active EE | $0 | $4,967-100.0% | $4,002-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $9,035 | $5,543+63.0% | $4,797+88.3% | $5,287+70.9% |
| Admin fee / account holder | $1,743 | $10,846-83.9% | $8,520-79.5% | $10,133-82.8% |