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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 | $134,077 | $184,014-27.1% | $161,149-16.8% | $138,895-3.5% |
| Participation rate | 84.2% | 82.1%+2.1pp | 78.8%+5.4pp | 79.9%+4.3pp |
| Annual return | 25.76% | 21.52%+4.2pp | 21.16%+4.6pp | 145.39%-119.6pp |
| Employer contribution / active EE | $1,504 | $5,055-70.2% | $4,360-65.5% | $4,194-64.1% |
| Participant deferral / active EE | $9,244 | $6,909+33.8% | $6,153+50.2% | $6,396+44.5% |
| Admin fee / account holder | $1,283 | $18,027-92.9% | $15,194-91.6% | $12,562-89.8% |