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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 | $152,249 | $181,896-16.3% | $156,551-2.7% | $273,972-44.4% |
| Participation rate | 80.0% | 88.4%-8.4pp | 84.0%-4.0pp | 83.0%-3.0pp |
| Annual return | 7.52% | 30.74%-23.2pp | 32.23%-24.7pp | 41.46%-33.9pp |
| Employer contribution / active EE | $2,775 | $6,248-55.6% | $5,501-49.6% | $4,869-43.0% |
| Participant deferral / active EE | $6,977 | $5,550+25.7% | $4,871+43.2% | $5,287+32.0% |
| Admin fee / account holder | $872 | $15,560-94.4% | $13,028-93.3% | $10,133-91.4% |