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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 | $157,558 | $181,896-13.4% | $156,551+0.6% | $273,972-42.5% |
| Participation rate | 95.5% | 88.4%+7.1pp | 84.0%+11.4pp | 83.0%+12.4pp |
| Annual return | 6.22% | 30.74%-24.5pp | 32.23%-26.0pp | 41.46%-35.2pp |
| Employer contribution / active EE | $9,891 | $6,248+58.3% | $5,501+79.8% | $4,869+103.2% |
| Participant deferral / active EE | $2,727 | $5,550-50.9% | $4,871-44.0% | $5,287-48.4% |
| Admin fee / account holder | $4,077 | $15,560-73.8% | $13,028-68.7% | $10,133-59.8% |