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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 | $183,159 | $185,141-1.1% | $153,416+19.4% | $155,188+18.0% |
| Participation rate | 80.0% | 79.9%+0.1pp | 74.3%+5.7pp | 80.8%-0.8pp |
| Annual return | 15.28% | 18.72%-3.4pp | 17.84%-2.6pp | 148.84%-133.6pp |
| Employer contribution / active EE | $4,779 | $4,489+6.5% | $3,764+27.0% | $4,248+12.5% |
| Participant deferral / active EE | $7,593 | $5,477+38.6% | $4,723+60.7% | $6,531+16.3% |
| Admin fee / account holder | $2,720 | $16,005-83.0% | $13,095-79.2% | $14,480-81.2% |