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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 | $109,014 | $135,956-19.8% | $123,894-12.0% | $273,972-60.2% |
| Participation rate | 88.9% | 84.1%+4.8pp | 81.4%+7.5pp | 83.0%+5.9pp |
| Annual return | 4.92% | 56.63%-51.7pp | 47.52%-42.6pp | 41.46%-36.5pp |
| Employer contribution / active EE | $2,194 | $5,170-57.6% | $4,617-52.5% | $4,869-54.9% |
| Participant deferral / active EE | $6,238 | $6,343-1.7% | $5,984+4.2% | $5,287+18.0% |
| Admin fee / account holder | $4,502 | $9,817-54.1% | $8,357-46.1% | $10,133-55.6% |