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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 | $167,602 | $181,896-7.9% | $156,551+7.1% | $273,972-38.8% |
| Participation rate | 71.4% | 88.4%-17.0pp | 84.0%-12.6pp | 83.0%-11.6pp |
| Annual return | 18.08% | 30.74%-12.7pp | 32.23%-14.1pp | 41.46%-23.4pp |
| Employer contribution / active EE | $3,038 | $6,248-51.4% | $5,501-44.8% | $4,869-37.6% |
| Participant deferral / active EE | $7,188 | $5,550+29.5% | $4,871+47.6% | $5,287+36.0% |
| Admin fee / account holder | $1,342 | $15,560-91.4% | $13,028-89.7% | $10,133-86.8% |