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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 | $123,937 | $181,896-31.9% | $156,551-20.8% | $273,972-54.8% |
| Participation rate | 85.7% | 88.4%-2.7pp | 84.0%+1.7pp | 83.0%+2.7pp |
| Annual return | 6.87% | 30.74%-23.9pp | 32.23%-25.4pp | 41.46%-34.6pp |
| Employer contribution / active EE | $3,708 | $6,248-40.7% | $5,501-32.6% | $4,869-23.8% |
| Participant deferral / active EE | $4,612 | $5,550-16.9% | $4,871-5.3% | $5,287-12.8% |
| Admin fee / account holder | $37,331 | $15,560+139.9% | $13,028+186.5% | $10,133+268.4% |