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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 | $164,217 | $153,769+6.8% | $133,975+22.6% | $273,972-40.1% |
| Participation rate | 95.2% | 88.4%+6.9pp | 87.1%+8.2pp | 83.0%+12.2pp |
| Annual return | 7.70% | 36.51%-28.8pp | 29.29%-21.6pp | 41.46%-33.8pp |
| Employer contribution / active EE | $5,180 | $6,029-14.1% | $5,211-0.6% | $4,869+6.4% |
| Participant deferral / active EE | $5,397 | $6,958-22.4% | $6,282-14.1% | $5,287+2.1% |
| Admin fee / account holder | $4,314 | $11,765-63.3% | $9,324-53.7% | $10,133-57.4% |