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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 | $177,569 | $181,896-2.4% | $156,551+13.4% | $273,972-35.2% |
| Participation rate | 71.4% | 88.4%-17.0pp | 84.0%-12.6pp | 83.0%-11.6pp |
| Annual return | 9.11% | 30.74%-21.6pp | 32.23%-23.1pp | 41.46%-32.3pp |
| Employer contribution / active EE | $7,139 | $6,248+14.3% | $5,501+29.8% | $4,869+46.6% |
| Participant deferral / active EE | $6,926 | $5,550+24.8% | $4,871+42.2% | $5,287+31.0% |
| Admin fee / account holder | $5,968 | $15,560-61.6% | $13,028-54.2% | $10,133-41.1% |