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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 | $156,846 | $181,896-13.8% | $156,551+0.2% | $273,972-42.8% |
| Participation rate | 84.6% | 88.4%-3.8pp | 84.0%+0.6pp | 83.0%+1.6pp |
| Annual return | 7.32% | 30.74%-23.4pp | 32.23%-24.9pp | 41.46%-34.1pp |
| Employer contribution / active EE | $2,821 | $6,248-54.8% | $5,501-48.7% | $4,869-42.1% |
| Participant deferral / active EE | $7,058 | $5,550+27.2% | $4,871+44.9% | $5,287+33.5% |
| Admin fee / account holder | $722 | $15,560-95.4% | $13,028-94.5% | $10,133-92.9% |