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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 | $176,278 | $199,109-11.5% | $173,730+1.5% | $154,746+13.9% |
| Participation rate | 82.6% | 82.8%-0.2pp | 79.6%+3.0pp | 80.7%+1.9pp |
| Annual return | 14.84% | 20.02%-5.2pp | 19.96%-5.1pp | 172.34%-157.5pp |
| Employer contribution / active EE | $2,590 | $5,311-51.2% | $4,577-43.4% | $4,379-40.9% |
| Participant deferral / active EE | $7,530 | $7,113+5.9% | $6,326+19.0% | $6,730+11.9% |
| Admin fee / account holder | $6,718 | $20,916-67.9% | $17,523-61.7% | $14,365-53.2% |