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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 | $159,757 | $181,896-12.2% | $156,551+2.0% | $273,972-41.7% |
| Participation rate | 81.8% | 88.4%-6.6pp | 84.0%-2.2pp | 83.0%-1.2pp |
| Annual return | 13.13% | 30.74%-17.6pp | 32.23%-19.1pp | 41.46%-28.3pp |
| Employer contribution / active EE | $4,582 | $6,248-26.7% | $5,501-16.7% | $4,869-5.9% |
| Participant deferral / active EE | $4,292 | $5,550-22.7% | $4,871-11.9% | $5,287-18.8% |
| Admin fee / account holder | $3,413 | $15,560-78.1% | $13,028-73.8% | $10,133-66.3% |