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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 | $171,743 | $99,345+72.9% | $84,753+102.6% | $273,972-37.3% |
| Participation rate | 80.0% | 80.7%-0.7pp | 76.6%+3.4pp | 83.0%-3.0pp |
| Annual return | 6.06% | 22.93%-16.9pp | 22.78%-16.7pp | 41.46%-35.4pp |
| Employer contribution / active EE | $4,046 | $4,214-4.0% | $3,574+13.2% | $4,869-16.9% |
| Participant deferral / active EE | $4,927 | $4,270+15.4% | $3,712+32.7% | $5,287-6.8% |
| Admin fee / account holder | $1,126 | $6,645-83.1% | $5,333-78.9% | $10,133-88.9% |