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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 | $163,174 | $181,896-10.3% | $156,551+4.2% | $273,972-40.4% |
| Participation rate | 83.3% | 88.4%-5.1pp | 84.0%-0.7pp | 83.0%+0.3pp |
| Annual return | 3.68% | 30.74%-27.1pp | 32.23%-28.5pp | 41.46%-37.8pp |
| Employer contribution / active EE | $19,113 | $6,248+205.9% | $5,501+247.4% | $4,869+292.6% |
| Participant deferral / active EE | $13,273 | $5,550+139.2% | $4,871+172.5% | $5,287+151.0% |
| Admin fee / account holder | $3,677 | $15,560-76.4% | $13,028-71.8% | $10,133-63.7% |