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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 | $168,891 | $199,109-15.2% | $173,730-2.8% | $154,746+9.1% |
| Participation rate | 87.5% | 82.8%+4.7pp | 79.6%+7.9pp | 80.7%+6.8pp |
| Annual return | 15.61% | 20.02%-4.4pp | 19.96%-4.3pp | 172.34%-156.7pp |
| Employer contribution / active EE | $2,221 | $5,311-58.2% | $4,577-51.5% | $4,379-49.3% |
| Participant deferral / active EE | $6,839 | $7,113-3.8% | $6,326+8.1% | $6,730+1.6% |
| Admin fee / account holder | $7,388 | $20,916-64.7% | $17,523-57.8% | $14,365-48.6% |