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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 | $128,258 | $199,109-35.6% | $173,730-26.2% | $154,746-17.1% |
| Participation rate | 85.7% | 82.8%+2.9pp | 79.6%+6.1pp | 80.7%+5.0pp |
| Annual return | 15.64% | 20.02%-4.4pp | 19.96%-4.3pp | 172.34%-156.7pp |
| Employer contribution / active EE | $4,501 | $5,311-15.3% | $4,577-1.7% | $4,379+2.8% |
| Participant deferral / active EE | $6,497 | $7,113-8.7% | $6,326+2.7% | $6,730-3.5% |
| Admin fee / account holder | $1,278 | $20,916-93.9% | $17,523-92.7% | $14,365-91.1% |