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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 | $169,697 | $275,752-38.5% | $256,809-33.9% | $198,609-14.6% |
| Participation rate | 73.3% | 89.2%-15.8pp | 88.5%-15.2pp | 82.4%-9.0pp |
| Annual return | 15.56% | 34.81%-19.2pp | 32.73%-17.2pp | 202.70%-187.1pp |
| Employer contribution / active EE | $3,116 | $7,721-59.6% | $7,263-57.1% | $5,055-38.4% |
| Participant deferral / active EE | $5,405 | $10,037-46.2% | $9,520-43.2% | $6,977-22.5% |
| Admin fee / account holder | $2,286 | $25,716-91.1% | $25,146-90.9% | $19,030-88.0% |