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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 | $126,886 | $153,769-17.5% | $133,975-5.3% | $273,972-53.7% |
| Participation rate | 80.0% | 88.4%-8.4pp | 87.1%-7.1pp | 83.0%-3.0pp |
| Annual return | 3.95% | 36.51%-32.6pp | 29.29%-25.3pp | 41.46%-37.5pp |
| Employer contribution / active EE | $2,616 | $6,029-56.6% | $5,211-49.8% | $4,869-46.3% |
| Participant deferral / active EE | $11,343 | $6,958+63.0% | $6,282+80.6% | $5,287+114.5% |
| Admin fee / account holder | $540 | $11,765-95.4% | $9,324-94.2% | $10,133-94.7% |