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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 | $164,332 | $215,361-23.7% | $171,082-3.9% | $273,972-40.0% |
| Participation rate | 83.3% | 82.0%+1.3pp | 76.7%+6.6pp | 83.0%+0.3pp |
| Annual return | 7.83% | 25.14%-17.3pp | 32.56%-24.7pp | 41.46%-33.6pp |
| Employer contribution / active EE | $3,207 | $4,967-35.4% | $4,002-19.9% | $4,869-34.1% |
| Participant deferral / active EE | $6,498 | $5,543+17.2% | $4,797+35.4% | $5,287+22.9% |
| Admin fee / account holder | $528 | $10,846-95.1% | $8,520-93.8% | $10,133-94.8% |