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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 | $70,374 | $181,896-61.3% | $156,551-55.0% | $273,972-74.3% |
| Participation rate | 87.5% | 88.4%-0.9pp | 84.0%+3.5pp | 83.0%+4.5pp |
| Annual return | 3.06% | 30.74%-27.7pp | 32.23%-29.2pp | 41.46%-38.4pp |
| Employer contribution / active EE | $4,528 | $6,248-27.5% | $5,501-17.7% | $4,869-7.0% |
| Participant deferral / active EE | $7,538 | $5,550+35.8% | $4,871+54.7% | $5,287+42.6% |
| Admin fee / account holder | $1,518 | $15,560-90.2% | $13,028-88.3% | $10,133-85.0% |