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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 | $129,886 | $138,385-6.1% | $184,243-29.5% | $80,925+60.5% |
| Participation rate | 74.1% | 83.9%-9.8pp | 86.8%-12.8pp | 67.7%+6.4pp |
| Annual return | 20.09% | 20.02%+0.1pp | 28.82%-8.7pp | 35.65%-15.6pp |
| Employer contribution / active EE | $3,391 | $4,851-30.1% | $6,427-47.2% | $2,756+23.0% |
| Participant deferral / active EE | $7,766 | $7,075+9.8% | $9,132-15.0% | $4,299+80.7% |
| Admin fee / account holder | $6,633 | $10,489-36.8% | $13,914-52.3% | $6,940-4.4% |